14494 LILLIAN CIRCLE, PORT CHARLOTTE, FL, 33981
Active94 days on marketListed May 8, 2026MLS #C7525685
About this home
14494 LILLIAN CIRCLE
Discover the ultimate Florida lifestyle in this meticulously updated and beautifully landscaped, Gulf access 3 Bedroom, 2 bathroom pool home! Situated on a 12,953 sqft lot (.3 Acres) with an impressive 136 feet of waterfrontage, in the desirable deed-restricted community of South Gulf Cove. Boaters will find this property exceptional, as it features a 4,500lb boat lift and sits on a wide canal providing effortless access to the Myakka River, Charlotte Harbor, Boca Grande, and the open Gulf waters. This residence has extensive improvements, featuring a fully renovated primary suite, and beautifully updated guest bedrooms and bathrooms. The interior offers abundant cabinet space in the kitchen, stylish plantation shutters throughout, new lights & ceiling fans throughout, and new flooring across all bedrooms and the primary bath. Major improvements provide peace of mind for years to come, including a new roof (2024), updated electrical panel, and new windows in the dining room and all bedrooms (installed in 2023). Recent 2025 updates further enhance the home with new living room carpeting and a new pool pump, complementing the 2023 addition of a new pool heater, water heater, and the house has complete plumbing repipe except for the primary bathroom The outdoor living space is a true sanctuary, featuring a screened pool area that showcases great canal views, perfect for relaxing or entertaining against a coastal backdrop. Exterior highlights include an oversized garage, a dedicated storage shed, rain gutters, the added security of new hurricane shutters, and a modern LPS Sewer system and tank (redone in 2023). The house is on Public water and sewer. Perfectly positioned for both recreation and convenience, this property sits just 10 minutes from the world-famous beaches of Boca Grande and 15 minutes from Englewood Beach. Golfers will appreciate the surrounding championship courses, while sports fans are only 15 minutes from the Tampa Bay Rays' spring training at Charlotte Sports Park. Whether you are exploring the Cape Haze Pioneer Trail or taking advantage of the region's world-class fishing, this home offers unparalleled access to the very best of the Gulf Coast, all while remaining within 25 minutes of I-75 for easy travel. Don't miss your opportunity to own what is arguably the best home available under $500,000!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,432
Sqft
0.3 ac
Lot size
2
Garage
1978
Year built
One
Levels
$199
Per sqft
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.
$3,777 /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
$3,777/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−33.2%
$/sqft vs PORT CHARLOTTE SEC 87
$199 vs $330
Days on market
94 vs 60 typical
Where $199/sqft sits among the 23 homes for sale in PORT CHARLOTTE SEC 87
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
20 of 23
PORT CHARLOTTE SEC 87 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1128% 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 14494 LILLIAN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$995,736
14726 LILLIAN CIRCLE · same community
3 bd · 3 ba · 2,423 sqft · $411/sqft · 0 DOM
Sold · Sep ’25$675,000
14207 UNION HALL AVENUE · same community
3 bd · 2.5 ba · 2,445 sqft · $276/sqft · 501 DOM
Sold · Jun ’26$1,640,000
14267 ARTESIA AVENUE · same community
3 bd · 3 ba · 2,457 sqft · $667/sqft · 44 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14494 LILLIAN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14494 LILLIAN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14494 LILLIAN CIRCLE FAQs
What would the monthly payment be for 14494 LILLIAN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,777/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 14494 LILLIAN 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 14494 LILLIAN CIRCLE?+
The most recent tax bill on record (2025) was $6,446. 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 14494 LILLIAN 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 $485,000, this home is listed about 47% above the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.
Which schools are assigned to 14494 LILLIAN 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
Three things that matter here
01Positioned at the premium end
$485,000 runs 1128% above the PORT CHARLOTTE 33981 median — but at 2,432 sqft it's also 48% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $495,000, now $485,000 — a $10K 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 #C7525685.
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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