10554 LIVE OAK ROAD, PORT CHARLOTTE, FL, 33981
Active9 days on marketListed Sep 11, 2026MLS #C7530649
About this home
10554 LIVE OAK ROAD
SAILBOAT WATERFRONT HOME IN SOUTH GULF COVE! Welcome to Florida waterfront living! This light, bright, and airy 3/,2/2 is situated on sailboat-accessible waterfront in desirable South Gulf Cove. Inside, you’ll find tile flooring throughout the main living areas and carpeting in the bedrooms for added comfort. The kitchen features upgraded cabinetry, stone countertops, and stainless-steel appliances, creating a stylish and functional space for everyday living or entertaining. An indoor laundry room with a convenient linen closet adds to the home’s functionality. Step outside to beautifully maintained Florida landscaping featuring concrete curbing, decorative gray stone, and lush tropical greenery. But the real highlight is the WATER! Have a Sea-Doo, powerboat, or—better yet—a sailboat? This home is ready for you to enjoy the boating lifestyle. Spend your days on the water, explore the surrounding waterways, or simply relax and enjoy the peaceful Florida waterfront setting. Whether you're searching for a summer retreat, Airbnb opportunity, or your own waterfront Florida getaway, this home offers the space and location to make the most of the Florida lifestyle. Come see why waterfront living in South Gulf Cove could be exactly what you've been looking for!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,650
Sqft
0.23 ac
Lot size
2
Garage
2022
Year built
One
Levels
$242
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 — not generic estimates.
$3,126 /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
$3,126/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
+4.8%
$/sqft vs PORT CHARLOTTE SEC 082
$242 vs $292
Days on market
9 vs 59 typical
Where $242/sqft sits among the 21 homes for sale in PORT CHARLOTTE SEC 082
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 Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
7 of 21
PORT CHARLOTTE SEC 082 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% above the Port Charlotte median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 10554 LIVE OAK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$565,000
14968 LYNEBURG AVENUE · same community
3 bd · 2.5 ba · 1,665 sqft · $339/sqft · 195 DOM
Sold · Sep ’26$340,000
15184 ALDAMA CIRCLE · same community
2 bd · 2 ba · 1,514 sqft · $225/sqft · 122 DOM
Sold · Sep ’26$749,000
15658 APPLEWHITE CIRCLE · same community
3 bd · 2 ba · 1,801 sqft · $416/sqft · 72 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10554 LIVE OAK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10554 LIVE OAK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10554 LIVE OAK ROAD FAQs
What would the monthly payment be for 10554 LIVE OAK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,126/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 10554 LIVE OAK ROAD?+
The most recent tax bill on record (2025) was $5,214. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $399,990, this home is listed about 21% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Mary Flynn. MLS #C7530649.
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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