15508 RUSTON CIRCLE, PORT CHARLOTTE, FL, 33981
Active197 days on marketListed Jan 22, 2026MLS #D6145733
About this home
15508 RUSTON CIRCLE
Rarely available waterfront home on one of South Gulf Cove’s widest and most active waterways, offering approximately 250 feet of breathtaking water views and 116 feet of prime waterfrontage. Boating enthusiasts will appreciate the covered dock and lift with only one bridge to open water. From the moment you step through the front door, the view is nothing short of astonishing—your eyes are drawn through the open living space to the expansive lanai, infinity-edge pool and spa, and the scenic Zephyr Waterway beyond. Designed for the Florida lifestyle, this 3-bedroom, 2-bath residence features a wet bar off the kitchen, perfect for entertaining, and an oversized garage plus a separate storage shed for added convenience. Outdoor living shines with a recently upgraded pool area, including a new salt injector (2025), pool pump (2025), pool heater (2024), and a new spa controller (2026). The lanai structure and screen were replaced in 2023, creating an ideal space to relax and enjoy lush tropical landscaping and tranquil water views. Inside, the home offers numerous recent upgrades: a beautifully refreshed kitchen with new granite countertops, refrigerator, cooktop, and dishwasher (all 2025), along with upgraded cabinetry (2022). Faux wood vinyl flooring was installed in 2022, complementing the home’s coastal feel. Additional major improvements include a new roof (2022), HVAC system (2022), and a recently rebuilt and upgraded irrigation system. This exceptional waterfront property delivers panoramic views, direct boating access, and thoughtful upgrades throughout—an ideal blend of comfort, functionality, and Florida waterfront living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,127
Sqft
0.28 ac
Lot size
3
Garage
2002
Year built
One
Levels
$376
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.
$5,732 /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
$5,732/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
+23.4%
$/sqft vs PORT CHARLOTTE SEC 081
$376 vs $294
Days on market
197 vs 59 typical
Where $376/sqft sits among the 34 homes for sale in PORT CHARLOTTE SEC 081
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)
20 of 34
PORT CHARLOTTE SEC 081 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1925% 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 15508 RUSTON CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$520,000
9349 ST PAUL DRIVE · same community
3 bd · 2 ba · 2,141 sqft · $243/sqft · 123 DOM
Sold · Apr ’26$575,000
9533 ARNAZ CIRCLE · same community
3 bd · 2 ba · 2,167 sqft · $265/sqft · 156 DOM
Sold · Sep ’25$558,800
15460 LONGVIEW ROAD · same community
3 bd · 2 ba · 2,081 sqft · $269/sqft · 280 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 15508 RUSTON CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15508 RUSTON CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15508 RUSTON CIRCLE FAQs
What would the monthly payment be for 15508 RUSTON CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,732/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 15508 RUSTON 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 15508 RUSTON CIRCLE?+
The most recent tax bill on record (2025) was $11,355. 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 15508 RUSTON 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 $799,900, this home is listed about 142% above the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 15508 RUSTON 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
01Positioned at the premium end
$799,900 runs 1925% above the PORT CHARLOTTE 33981 median — but at 2,127 sqft it's also 30% larger than the typical Port Charlotte listing.
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
197 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Chris Lee. MLS #D6145733.
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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