8147 TRACY CIRCLE, PORT CHARLOTTE, FL, 33981
Active30 days on marketListed Oct 8, 2026MLS #C7531533
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Upcoming open house
Sat, Nov 7
2:00 PM – 4:00 PM
About this home
8147 TRACY CIRCLE
Virtually Staged. Brand new. Never lived in. Built for the way Southwest Florida really lives. Welcome to 8147 Tracy Circle, 2025 construction in South Gulf Cove with NO mandatory HOA. Step inside and 12-foot ceilings, tray details and 8-foot doors open the entire home up, with light pouring across 48"x24" porcelain tile from the entry to the four-panel impact slider. At the heart of it all is a chef's kitchen made for gathering: an oversized quartz island, statement center hood, soft-close cabinetry with glass-front uppers, stainless appliances and a pantry with room for everything. Four bedrooms and 3.5 baths sit on a split plan with TWO en-suite bedrooms, giving guests and extended stays a private retreat of their own. The primary suite opens straight to the covered lanai and delivers a soaking tub, separate shower, dual vanities and a private water closet and a walk-through closet to the laundry room. Peace of mind is built in: constructed to the current flood elevation code with impact-rated windows and doors throughout. Bring the boat, the golf cart and the toys. The garage includes golf cart space, and the community boat ramp puts the Myakka River, Charlotte Harbor and the Gulf within easy reach. Boca Grande and Englewood beaches, marinas, golf and I-75 are minutes away, and there is room to add a pool when you are ready. New home. No waiting. No mandatory HOA. This is the one.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,667
Sqft
0.23 ac
Lot size
3
Garage
2025
Year built
One
Levels
$221
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.
$4,190 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,190/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+23.3%
$/sqft vs PORT CHARLOTTE SEC 093
$221 vs $311
Days on market
30 vs 55 typical
Where $221/sqft sits among the 38 homes for sale in PORT CHARLOTTE SEC 093
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
5,682
Median age
63
Median income
$108,262
Median home value
$544,120
Avg household
2
Households w/ children
246
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
$290K → $290K
Port Charlotte median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
16 of 38
PORT CHARLOTTE SEC 093 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1214% 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 8147 TRACY 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 ’26$1,100,000
15172 LEIPZIG CIRCLE · same community
3 bd · 2 ba · 2,601 sqft · $423/sqft · 48 DOM
Sold · Mar ’26$635,000
8228 TECUMSEH CIRCLE · same community
3 bd · 2.5 ba · 2,498 sqft · $254/sqft · 5 DOM
Sold · Mar ’26$585,000
14970 SAN DOMINGO BOULEVARD · same community
4 bd · 3 ba · 2,462 sqft · $238/sqft · 73 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8147 TRACY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8147 TRACY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8147 TRACY CIRCLE FAQs
What would the monthly payment be for 8147 TRACY CIRCLE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,190/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 8147 TRACY 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 8147 TRACY CIRCLE?+
The most recent tax bill on record (2025) was $1,043. 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 8147 TRACY 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 $589,900, this home is listed about 79% above the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 8147 TRACY 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Carri Metzger. MLS #C7531533.
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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