10486 POUGHKEEPSIE CIRCLE, PORT CHARLOTTE, FL, 33981
Active1017 days on marketListed Oct 21, 2023MLS #D6132922
About this home
10486 POUGHKEEPSIE CIRCLE
GULF OF MEXICO ACCESS!! 83 X 125 LOT in beautiful SW Florida, This area is convenient to all of the amenities we've grown accustomed to. Living like being on vacation every day is a privilege to have sunshine and beaches just minutes away! Well here is your opportunity. Now that things in the construction world have come down to a more reasonable timeframe, we can talk about building you're forever home or your winter getaway within 12-16 months (depending on the details) either way, you will love this area. Close to beaches and access to the Gulf of Mexico through the beautiful sailboat canal is the way life is meant to be lived. Fish right off your dock or go for a sunset cruiser the options are endless in this area. Farmers markets every season, shopping and more lets get started by getting you this lot!
Facts & features
The home at a glance
0.24 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.
$1,121 /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
$1,121/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 → $301K
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 242% 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 10486 POUGHKEEPSIE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$480,000
14382 LILLIAN CIRCLE · same community
3 bd · 2 ba · 1,451 sqft · $331/sqft · 219 DOM
Sold · Apr ’26$400,000
14150 MAYSVILLE CIRCLE · same community
3 bd · 2 ba · 1,564 sqft · $256/sqft · 42 DOM
Sold · Jul ’26$375,000
10071 SUNDAY DRIVE · same community
3 bd · 2 ba · 1,622 sqft · $231/sqft · 333 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 10486 POUGHKEEPSIE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10486 POUGHKEEPSIE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10486 POUGHKEEPSIE CIRCLE FAQs
What would the monthly payment be for 10486 POUGHKEEPSIE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,121/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 10486 POUGHKEEPSIE 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 10486 POUGHKEEPSIE CIRCLE?+
The most recent tax bill on record (2022) was $1,160. 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 10486 POUGHKEEPSIE 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 $135,000, this home is listed about 60% below the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10486 POUGHKEEPSIE 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
$135,000 runs 242% 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
1017 days on market against a Port Charlotte median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $168,000, now $135,000 — a $33K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Elizabeth Gerber. MLS #D6132922.
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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