CENTURY 21 Edge
$500,0004 bd3 ba2,678 sqft$187 /sqft≈$3,907 /mo all-in ↓

8626 AGATE STREET, PORT CHARLOTTE, FL, 33981

Active9 days on marketListed Oct 29, 2026MLS #C7532672

Private poolSingle Family ResidencePORT CHARLOTTE SEC 058

About this home

8626 AGATE STREET

4 BEDROOMS + DEN | 3 FULL BATHS | 3-CAR GARAGE | 11 FOOT CEILINGS | TWO MASTER SUITES | PRIVATE POOL WITH SUN SHELF & BUBBLER | BOATING & GULF ACCESS |$10,000 BUYER CREDIT | PUBLIC UTILITIES | OVERSIZED CORNER LOT AND MORE!!! Welcome to this EXCEPTIONALLY maintained, well-built home in the highly desirable SOUTH GULF COVE COMMUNITY! Built in 2016, this spacious residence offers 2,678 square feet of thoughtfully designed living space, featuring 4 bedrooms PLUS a den, 3 FULL bathrooms, with high ceilings throughout. Quality craftsmanship, a versatile open concept and split floor plan, that has a move-in-ready feel, this home is very unique and offers a ton of value compared to other homes in the area. One of the home's most desirable features is its dual master suite layout, ideal for multigenerational living or accommodating guests. The primary suite offers a generous walk-in closet, an oversized walk-in shower, and a LUXURIOUS SOAKING TUB large enough for two. The second suite provides added privacy with its own walk-in shower conveniently located within the bedroom, creating a comfortable retreat for family or visitors. The spacious kitchen is perfect for everyday living and entertaining, showcasing gorgeous GRANITE countertops, an oversized island with seating, all-wood cabinetry, and a walk-in pantry. Step outside to your private in-ground swimming pool featuring a sun shelf and bubbler, complemented by an expansive paver pool deck installed in 2019. This inviting outdoor oasis is perfect for relaxing, entertaining, and soaking up the Florida sunshine. Situated on an OVERSIZED corner lot, the property also features an impressive THREE CAR GARAGE with AMPLE ROOM for a full-size pickup truck and additional storage. PUBLIC UTILITIES(including fiber optic internet) add convenience, while the home's location near the entrance of South Gulf Cove provides easy access to shopping, dining, and everyday essentials. (Grocery stores etc are just minutes away) Boating enthusiasts will appreciate the COMMUNITIES PRIVATE BOAT RAMP that's very close by, offering access to open waters and the Gulf of Mexico. South Gulf Cove also features sidewalks, walking trails, and playgrounds for residents to enjoy. When it's time for a beach day, Englewood ,Manasota Key AND BOCA GRANDE beaches are approximately 20 minutes away, making coastal adventures an easy part of everyday life. Even more value awaits with a $10,000 seller credit toward the buyer's closing costs or an INTEREST RATE BUY DOWN, helping make this exceptional property an even more attractive opportunity. If you're searching for a spacious, move-in-ready Florida home with a flexible floor plan, two private suites, a pool with resort-style features, an oversized garage, and convenient boating and beach access, this South Gulf Cove property deserves a closer look because all this home offers is hard to find at this price. Schedule your private showing today and discover all this beautiful Florida home has to offer!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,678

Sqft

0.27 ac

Lot size

3

Garage

2016

Year built

One

Levels

$187

Per sqft

Private pool

Inside

FlooringCarpet · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorthwest
ParkingOversized
ExteriorHurricane Shutters · Lighting · Sliding Doors

Community & fees

Taxes (2025)$1,116/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Fiber Optics · Public · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,907 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,433
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$93
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,500Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,500
Interest rate7.50%
Loan term

Estimated payment

$3,907/mo

Principal & interest$3,433
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$93
Est. insurance$160

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.

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.

List $500K
$480KedgeAI estimate $594,103 · range $535K–$612K$636K

vs edgeAI estimate

−15.8%

$/sqft vs PORT CHARLOTTE SEC 058

$187 vs $209

Days on market

9 vs 55 typical

Where $187/sqft sits among the 27 homes for sale in PORT CHARLOTTE SEC 058

14 · this home
6
2
1
1
3
$171–229$229–287$287–345$345–403$403–461$461+

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

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketBalanced — 5.5 months of inventoryBuyer’s 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 1014% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Oct 29, 2026Listed at $500,000 · 9 days on market since
2016Built · PORT CHARLOTTE SEC 058

Reality check

What actually sold near 8626 AGATE STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

13982 NAYLOR AVENUESold · Oct ’26

$495,000

13982 NAYLOR AVENUE · same community

5 bd · 4 ba · 2,382 sqft · $208/sqft · 112 DOM

9209 SANTA LUCIA DRIVESold · May ’26

$700,000

9209 SANTA LUCIA DRIVE · same community

3 bd · 3 ba · 2,324 sqft · $301/sqft · 49 DOM

8228 WALBERT STREETSold · 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.

Pedro Ribeiro Gloria

Your agent

Pedro Ribeiro Gloria

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 8626 AGATE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8626 AGATE STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

8626 AGATE STREET FAQs

What would the monthly payment be for 8626 AGATE STREET?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,907/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 8626 AGATE STREET?+

The most recent tax bill on record (2025) was $1,116. 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 $500,000, this home is listed about 52% 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 8626 AGATE STREET?+

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.

Listing courtesy of PREFERRED SHORE LLC · Brooks Imlay. MLS #C7532672.

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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