9474 MELODY CIRCLE, PORT CHARLOTTE, FL, 33981
Active207 days on marketListed Jan 15, 2026MLS #D6145599
About this home
9474 MELODY CIRCLE
Indulge in refined waterfront living at this exceptional custom-built residence located in the peaceful community of South Gulf Cove. Offering approximately 3,000 square feet of elegant living space, this four-bedroom, four-and-a-half-bath home is thoughtfully designed for those seeking comfort, privacy, and an upscale seasonal retreat. From the moment you arrive, you’ll be drawn to the serene water views and the home’s effortless indoor-outdoor flow. Sun-filled afternoons transition into beautiful evening sunsets over the canal, best enjoyed from the expansive screened lanai. Whether you’re hosting a quiet dinner, enjoying the BBQ, or simply unwinding with a glass of wine, the setting provides a true sense of relaxation and luxury. The spacious layout allows guests to spread out comfortably, with well-appointed bedrooms and spa-like bathrooms that enhance the overall experience. Set within a quiet neighborhood, the home offers a private escape while remaining conveniently close to area amenities. Ideally located just 25 minutes from the pristine beaches of Manasota Key and only 10 minutes from Gasparilla Marina, this home places you close to boating, fishing, dining, and coastal adventures, while returning each day to a calm and elegant waterfront sanctuary. This is a non-smoking property and pets are not permitted. tax applies, along with a cleaning fee and reservation fee. Please note that a credit card processing fee applies to all credit card payments. To avoid this fee, payment by check is welcome.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,000
Sqft
0.37 ac
Lot size
1
Garage
2024
Year built
One
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$247 /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
$247/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs PORT CHARLOTTE SEC 071
$4 vs $304
Days on market
207 vs 60 typical
Where $4/sqft sits among the 10 homes for sale in PORT CHARLOTTE SEC 071
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)
4 of 10
PORT CHARLOTTE SEC 071 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 9474 MELODY CIRCLE
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$1,050,000
9482 BLUEGILL CIRCLE · same community
3 bd · 3 ba · 2,836 sqft · $370/sqft · 216 DOM
Sold · Oct ’25$650,000
14448 EDNA CIRCLE · same community
4 bd · 2.5 ba · 2,825 sqft · $230/sqft · 36 DOM
Sold · Aug ’25$670,000
9428 BANDERA LANE · same community
3 bd · 2.5 ba · 2,522 sqft · $266/sqft · 164 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9474 MELODY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9474 MELODY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9474 MELODY CIRCLE FAQs
What would the monthly payment be for 9474 MELODY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $247/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 9474 MELODY CIRCLE?+
The listing reports pets: No. 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 $12,000, this home is listed about 96% below the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.
Which schools are assigned to 9474 MELODY 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
Three things that matter here
01Under the PORT CHARLOTTE 33981 market on paper
$12,000 is 70% below the PORT CHARLOTTE 33981 median of $39,500, and at $4/sqft it sits under the Port Charlotte average of $226.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
207 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of TARPON REAL ESTATE, INC. · Stephinie Futch. MLS #D6145599.
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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