8338 TRACY CIRCLE, PORT CHARLOTTE, FL, 33981
Active1415 days on marketListed Sep 21, 2022MLS #D6127548
About this home
8338 TRACY CIRCLE
Price REDUCED!!!!!! BRING ALL OFFERS, OWNER SAY SELL!!!! **WATERFRONT!!! THIS BEAUTIFUL LOT IS ONLY 1 BRIDGE OUT TO CHARLOTTE HARBOR, THE GULF OF MEXICO, SURROUNDING ISLANDS AND BEAUTIFUL BEACHES. LOCATED IN THE HIGHLY SOUGHT AFTER SEC 93 IN THE "WATERFRONT BOATING COMMUNITY" OF SOUTH GULF COVE. THIS LOT HAS A CONCRETE SEAWALL, ALL UTILITIES IN PLACE AND IS READY FOR YOUR NEW FLORIDA "DREAM HOME"!!! ALOT OF BEAUTIFUL NEW HOMES ON THIS STREET AND IN THE NEIGHBORHOOD. SOUTH GULF COVE IS ONLY 15-25 MINUTES TO BEAUTIFUL SOUTHWEST FLORIDA BEACHES IN BOCA GRANDE AND MANASOTA KEY. THE COMMUNITY OF SOUTH GULF COVE OFFERS A COMMUNITY BOAT RAMP, BEAUTIFUL PARKS AND MARINAS WITH GOLF COURSES, WORLD CLASS FISHING, RESTAURANTS AND SHOPPING ALL WITHIN MINUTES AWAY. A GREAT INVESTMENT OPPORTUINITY !! BUILD NOW OR LATER!! OWN A PIECE OF PARADISE !! WE WORK WITH SEVERAL QUALITY AREA BUILDERS AT ALL PRICE POINTS. CONTACT US NOW FOR FLOOR PLANS AND PRICING. COME LIVE THE RELAXED FLORIDA LIFESTYLE !!!
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$1,193 /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
$1,193/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.
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 271% 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 8338 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 · Feb ’26$470,000
8549 TOPEKA CIRCLE · same community
3 bd · 2 ba · 1,629 sqft · $289/sqft · 0 DOM
Sold · Jan ’26$315,000
14349 MCFARLAND AVE · same community
3 bd · 2 ba · 1,652 sqft · $191/sqft · 167 DOM
Sold · May ’26$346,000
15715 VISCOUNT CIRCLE · same community
3 bd · 2 ba · 1,961 sqft · $176/sqft · 18 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8338 TRACY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8338 TRACY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8338 TRACY CIRCLE FAQs
What would the monthly payment be for 8338 TRACY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,193/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 8338 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 8338 TRACY CIRCLE?+
The most recent tax bill on record (2021) was $1,306. 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 8338 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 $144,500, this home is listed about 57% below the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.
Which schools are assigned to 8338 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.
The brief
Four things that matter here
01Positioned at the premium end
$144,500 runs 271% above the PORT CHARLOTTE 33981 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
1415 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $194,900, now $144,500 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Wayne Sheldon. MLS #D6127548.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 8338 TRACY CIRCLE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask German to ping you on any price or status change →