10168 COCOA BEACH STREET, PORT CHARLOTTE, FL, 33981
Active908 days on marketListed Feb 19, 2024MLS #D6135129
About this home
10168 COCOA BEACH STREET
Gulf Access Waterfront Lot in South Gulf Cove | Prime Florida Homesite Take advantage of this exceptional opportunity to own a gulf access homesite in the growing and highly desirable South Gulf Cove community, one of Southwest Florida’s most popular waterfront neighborhoods. This buildable waterfront lot offers the perfect setting to create your custom Florida dream home, with the added benefit of boating and fishing right from your own backyard. Enjoy quick access to open water, making it easy to spend your days boating, kayaking, or heading out for world-class fishing in Charlotte Harbor and the Gulf of Mexico. Whether you’re cruising the waterways or relaxing dockside, this property delivers the laid-back coastal lifestyle Florida is famous for. South Gulf Cove offers a welcoming community atmosphere with waterfront parks, scenic walking and biking paths, and a public boat ramp, perfect for active outdoor living. Ideally located just minutes from pristine Gulf beaches, championship golf courses, local restaurants, marinas, and shopping, everything you need is close at hand. With flexible building options, you can build now or hold for the future, making this an excellent choice for a full-time residence, seasonal retreat, or long-term investment. With continued growth and strong demand, this gulf access lot in South Gulf Cove offers outstanding investment potential. Secure your place in one of Southwest Florida’s premier waterfront communities and start living the boating lifestyle you’ve been dreaming of.
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.
$862 /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
$862/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 141% 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 10168 COCOA BEACH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$310,000
13404 CEDAR CITY AVENUE · same community
4 bd · 2 ba · 1,663 sqft · $186/sqft · 10 DOM
Sold · Sep ’25$265,767
13164 FORT BRAGGS AVENUE · same community
3 bd · 2 ba · 1,668 sqft · $159/sqft · 371 DOM
Sold · Feb ’26$299,000
13306 ALLENTOWN AVENUE · same community
4 bd · 2 ba · 1,674 sqft · $179/sqft · 78 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10168 COCOA BEACH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10168 COCOA BEACH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10168 COCOA BEACH STREET FAQs
What would the monthly payment be for 10168 COCOA BEACH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $862/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 10168 COCOA BEACH STREET?+
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 10168 COCOA BEACH STREET?+
The most recent tax bill on record (2023) was $1,169. 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 10168 COCOA BEACH STREET?+
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 $94,000, this home is listed about 72% below the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10168 COCOA BEACH 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.
The brief
Four things that matter here
01Positioned at the premium end
$94,000 runs 141% 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
908 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 $115,000, now $94,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARSLEY BALDWIN REAL ESTATE · Olivia Jones. MLS #D6135129.
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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