8568 SANTA CRUZ DRIVE, PORT CHARLOTTE, FL, 33981
Active15 days on marketListed Oct 23, 2026MLS #C7532408
About this home
8568 SANTA CRUZ DRIVE
Welcome to your own waterfront paradise! This brand-new, custom-built waterfront home offers stunning features and refined finishes throughout. Located in a desirable waterfront community just minutes from the beach, golf courses, and the world-famous Boca Grande sandbar. Step into this modern and expansive home featuring 4 bedrooms, 3 bathrooms, an open-concept layout with high ceilings, and porcelain tile flooring throughout. The beautiful custom kitchen is equipped with luxury stainless steel appliances, as well as a custom wet bar with elegant glass-front upper cabinets, and a wine cooler, ideal for gatherings and celebrations. Each bathroom features fully tiled showers and custom quartz vanities, while every bedroom offers custom closets for elevated storage. The master bedroom is a true retreat: generously sized, featuring a custom-designed walk-in closet with integrated LED lighting, a luxurious bathroom with double sinks, a freestanding tub, and two showers. The expansive living room features a custom wood-accented ceiling with integrated LED lighting and a beautifully designed TV feature wall with accent lighting, creating the perfect setting for relaxation and entertainment. Enjoy a fully equipped outdoor kitchen with a sink and ice maker, overlooking the HEATED SALTWATER POOL AND SPA, all enclosed within a screened pool cage for year-round comfort. The fenced backyard offers privacy while showcasing beautiful water views. The private dock and boat lift provide convenient access to the Gulf, making it easy to enjoy endless days on the water. Whether you're enjoying a sunset by the pool, entertaining guests, or heading out for a day on the water, this home delivers the ultimate Florida waterfront lifestyle. Additional exterior highlights include a fully irrigated St. Augustine lawn, exotic landscaping, exterior lighting throughout, a spacious 3-car garage, and an elegant flat concrete tile roof that complements the home's modern architectural design. Located in an amenity-rich community with parks, playgrounds, and an optional HOA, this home checks every box for luxury, lifestyle, and location. Welcome to your dream Florida lifestyle!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,306
Sqft
0.23 ac
Lot size
3
Garage
2026
Year built
One
Levels
$468
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.
$7,549 /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
$7,549/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
+155.3%
$/sqft vs PORT CHARLOTTE SEC 058
$468 vs $198
Days on market
15 vs 55 typical
Where $468/sqft sits among the 27 homes for sale in PORT CHARLOTTE SEC 058
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)
11 of 27
PORT CHARLOTTE SEC 058 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2303% 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 8568 SANTA CRUZ DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$700,000
9209 SANTA LUCIA DRIVE · same community
3 bd · 3 ba · 2,324 sqft · $301/sqft · 49 DOM
Sold · Oct ’26$495,000
13982 NAYLOR AVENUE · same community
5 bd · 4 ba · 2,382 sqft · $208/sqft · 112 DOM
Sold · Jun ’26$490,000
8228 WALBERT STREET · same community
4 bd · 2 ba · 2,168 sqft · $226/sqft · 30 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 8568 SANTA CRUZ DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8568 SANTA CRUZ DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8568 SANTA CRUZ DRIVE FAQs
What would the monthly payment be for 8568 SANTA CRUZ DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,549/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 8568 SANTA CRUZ DRIVE?+
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 8568 SANTA CRUZ DRIVE?+
The most recent tax bill on record (2025) was $2,211. 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 8568 SANTA CRUZ DRIVE?+
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 $1,079,000, this home is listed about 228% 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 8568 SANTA CRUZ DRIVE?+
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
$1,079,000 runs 2303% above the PORT CHARLOTTE 33981 median — but at 2,306 sqft it's also 40% 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 $1,099,000, now $1,079,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TERRA REALTY SERVICES · Resni Cruz. MLS #C7532408.
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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