5276 EARLY TERRACE, PORT CHARLOTTE, FL, 33981
Active212 days on marketListed Jan 12, 2026MLS #D6145473
About this home
5276 EARLY TERRACE
NEW 12,000Lb COVERED BOAT LIFT WITH COMPOSITE DOCK AND CONCRETE SEAWALL LOCATED ON A CLEARED 80 X 125 LOT! Don’t buy a slip when you can have the combination of a perfect place to store your boat plus a vacant lot! If you prefer to build, water and electric have been installed at the current owner’s expense and you can start plans to build your dream home! A 7x8 shed with a steel frame roof is included and can be removed or moved easily. The community of Gulf Cove offers quick access to the Myakka River, Charlotte Harbor, ICW and Gulf!
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.
$2,009 /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
$2,009/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 Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,064
Median age
62
Median income
$57,533
Median home value
$349,277
Avg household
2
Households w/ children
274
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 564% 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 5276 EARLY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$259,944
5214 NORLANDER DRIVE · same community
2 bd · 2 ba · 1,340 sqft · $194/sqft · 224 DOM
Sold · Feb ’26$375,000
5251 EARLY TERRACE · same community
3 bd · 2 ba · 1,352 sqft · $277/sqft · 8 DOM
Sold · Feb ’26$470,000
5194 COOPER TERRACE · same community
2 bd · 2 ba · 1,516 sqft · $310/sqft · 244 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5276 EARLY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5276 EARLY TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5276 EARLY TERRACE FAQs
What would the monthly payment be for 5276 EARLY TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,009/mo — principal and interest, the actual property-tax bill, the $6/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 5276 EARLY TERRACE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5276 EARLY TERRACE?+
The most recent tax bill on record (2025) was $2,439. 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 5276 EARLY TERRACE?+
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 $259,000, this home is listed about 22% below the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5276 EARLY TERRACE?+
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
$259,000 runs 564% 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
212 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 $279,000, now $259,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE BRC GROUP, LLC · Brian Corcoran. MLS #D6145473.
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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