10868 MCALESTER CIRCLE, PORT CHARLOTTE, FL, 33981
Active301 days on marketListed Oct 12, 2025MLS #C7516057
About this home
10868 MCALESTER CIRCLE
Prime location for this 80 x 125 buildable, sailboat access, canal lot, with Gulf access in the premier boating community of South Gulf Cove. Build your dream home on this property that has great sunset views because of its east/west positioning on the canal! Waterfront Winnipeg Waterway into the wide outer canal that leads out to the neighborhood lagoon. Sail on up through the lock system into the Charlotte Harbor/Sound where the Myakka River and Peace River meet, and on out to the Gulf of Mexico. No bridges. Optional $120/year HOA & optional Yacht club to belong to, plus much more! Public water & Sewer access, recreation center, parks, and boat ramp are just a few features of this community. Nearby to the pristine beaches of Boca Grande, Englewood Beach, and Manasota Key beaches. Also near several shopping areas, schools, churches, other area attractions and a different golf course to play each day within a short drive! The Charlotte Sports Complex, spring training camp for the Tampa Ray's and home to the Charlotte Stone Crabs, is only 15 minutes away. Don't miss your opportunity today!
Facts & features
The home at a glance
0.23 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$950 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$950/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 163% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 10868 MCALESTER CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$480,000
14382 LILLIAN CIRCLE · same community
3 bd · 2 ba · 1,451 sqft · $331/sqft · 219 DOM
Sold · Apr ’26$400,000
14150 MAYSVILLE CIRCLE · same community
3 bd · 2 ba · 1,564 sqft · $256/sqft · 42 DOM
Sold · Jul ’26$375,000
10071 SUNDAY DRIVE · same community
3 bd · 2 ba · 1,622 sqft · $231/sqft · 333 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10868 MCALESTER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10868 MCALESTER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10868 MCALESTER CIRCLE FAQs
What would the monthly payment be for 10868 MCALESTER CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $950/mo — principal and interest, the actual property-tax bill, the $10/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10868 MCALESTER CIRCLE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10868 MCALESTER CIRCLE?+
The most recent tax bill on record (2024) was $1,458. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10868 MCALESTER CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $104,000, this home is listed about 69% below the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 10868 MCALESTER CIRCLE?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$104,000 runs 163% above the PORT CHARLOTTE 33981 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
301 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $110,000, now $104,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · Bob Helphenstine. MLS #C7516057.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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