
10640 AYEAR ROAD, PORT CHARLOTTE, FL, 33981
Active507 days on marketListed Mar 25, 2025MLS #D6141477
About this home
10640 AYEAR ROAD
This waterfront home offers breathtaking, unobstructed views across the serene Santa Cruz Canal to a designated preserve area, ensuring privacy and tranquility. Abutting sailboat waters, this property provides the ideal setting for waterfront living. Upon arriving, you’re greeted by a pristine white vinyl fence that runs from the front down both sides of the home, leading to the spacious lanai. Step through double doors into a tiled entryway, where natural light pours in through the transom above, illuminating the soaring cathedral ceiling. The expansive open floor plan flows seamlessly between the kitchen, dinette, and great room, creating an inviting and airy space perfect for both everyday living and entertaining. The kitchen-dinette combo features rectangular tile floors, a convenient pantry, breakfast bar, and all essential appliances. The adjacent great room is carpeted and opens up through sliders, inviting in fresh air and sunlight, enhancing the light, bright ambiance of the home. For privacy, two guest bedrooms are tucked away behind a pocket door, creating a quiet retreat. One of these rooms boasts an ensuite bath with a shower stall, single vanity, and serves as the pool bath with convenient access from the lanai. The second guest bath, located in the hallway, features a single vanity and a combo tub/shower unit. The spacious primary bedroom, located on the opposite side of the home, is a private sanctuary with two sets of sliders leading directly to the lanai and pool area. The suite also offers his-and-her walk-in closets and an ensuite bath with a double vanity, separate tub, and shower, all accented with wall to wall carpet. Step outside to discover your own private oasis—an oversized heated pool (approximately 36' x 12') with a cool deck that promises comfort underfoot. The lanai (22' x 11') and pool area are screened, ensuring peaceful enjoyment of the beautiful views and refreshing breezes. At water's edge, a two-tiered dock (26' x 6') with dual boat lifts (40K lbs & 6K lbs) awaits your watercraft, making this home a true boater's dream. The canal waters also flow through the property’s sprinkler system, keeping your landscaping lush and vibrant year-round. Recent upgrades include a new pool pump, irrigation pump, and water heater all replaced in 2025, and a new roof installed in 2022. With several airports in southwest Florida nearby, as well as a wealth of dining, hiking and biking trails, and Gulf Coast beaches, this location provides both convenience and recreation. The area is renowned for world-class tarpon fishing and abundant outdoor activities. This is a great opportunity to own a waterfront property that blends comfort and privacy with nature's beauty. Bring your vision to life and start living the waterfront lifestyle you deserve.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,806
Sqft
0.23 ac
Lot size
2
Garage
1999
Year built
One
Levels
$387
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.
$4,789 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$4,789/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.
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
+41.8%
$/sqft vs PORT CHARLOTTE SEC 082
$387 vs $271
Days on market
507 vs 60 typical
Where $387/sqft sits among the 17 homes for sale in PORT CHARLOTTE SEC 082
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
5,413
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)
9 of 17
PORT CHARLOTTE SEC 082 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1692% 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 10640 AYEAR ROAD
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$590,000
15272 LAKELAND CIRCLE · same community
3 bd · 2 ba · 1,838 sqft · $321/sqft · 3 DOM
Sold · Apr ’26$646,901
15436 VISALIA ROAD · same community
3 bd · 2 ba · 1,868 sqft · $346/sqft · 0 DOM
Sold · Apr ’26$325,000
10242 HALLENDALE DRIVE · same community
4 bd · 2 ba · 1,743 sqft · $186/sqft · 297 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10640 AYEAR ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10640 AYEAR ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10640 AYEAR ROAD FAQs
What would the monthly payment be for 10640 AYEAR ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,789/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 10640 AYEAR ROAD?+
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 10640 AYEAR ROAD?+
The most recent tax bill on record (2024) was $7,024. 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 10640 AYEAR ROAD?+
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 $699,000, this home is listed about 112% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10640 AYEAR ROAD?+
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
$699,000 runs 1692% 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
507 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $750,000, now $699,000 — a $51K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Becky Borci. MLS #D6141477.
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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