3098 MAUCK TERRACE, PORT CHARLOTTE, FL, 33981
Active93 days on marketListed May 13, 2026MLS #D6147361
About this home
3098 MAUCK TERRACE
Virtually Staged. Maximize outdoor living at this WATERFRONT paradise in Gulf Cove, where luxury, comfort, and the Florida boating lifestyle come together effortlessly. Your private retreat features a SPARKLING INGROUND HEATED POOL, HEATED SPA, FULLY SCREENED LANAI, OUTDOOR SHOWER, and PRIVATE DOCK ready for your next day on the water. Perfectly situated on the water with GULF ACCESS, this exceptional home invites you to experience life at a slower pace, where mornings begin with coffee overlooking the canal and evenings end with breathtaking sunset skies reflecting across the water. Whether you’re entertaining guests or enjoying a quiet night under the palms, every detail of this home is designed to make everyday living feel like a vacation.~~~ Inside, the thoughtfully designed SPLIT FLOOR PLAN offers the perfect balance of openness and privacy, with access to the lanai from four different points of the home. The kitchen is both stylish and functional, featuring STAINLESS STEEL APPLIANCES, A GAS STOVE, COFFEE BAR, and a charming dinette area that flows seamlessly into the main living space. Natural light pours into the living room through SLIDING GLASS DOORS, drawing your attention straight to the stunning WATERFRONT VIEWS beyond. The primary suite is a true retreat of its own, complete with DUAL WALK-IN CLOSETS and an ENSUITE JACK-AND-JILL BATHROOM connected to a VERSATILE DEN SPACE ideal for a private office, nursery, sitting room, or even an additional bedroom. This suite can be closed off from the rest of the home for added privacy, making it perfect for multigenerational living. With direct sliding door access to the lanai, this flex space creates a seamless indoor-outdoor experience you’ll appreciate every single day. On the opposite side of the home, two spacious guest bedrooms and a FULL BATHROOM WITH A HANDICAP ACCESSIBLE TUB AND SHOWER ensure family and visitors feel completely at home.*** Life in Gulf Cove is all about embracing the beauty of Southwest Florida waterfront living. With DIRECT ACCESS TO THE MYAKKA RIVER AND ONLY ONE BRIDGE SEPARATING YOU FROM THE GULF, this location a dream for boating enthusiasts and water lovers alike. Located just a 20 minute drive from the pristine beaches of Boca Grande. from Join the optional HOA for access to a private park, playground and boat ramp. Enjoy world-class fishing, exploring nearby beaches, dining at local waterfront restaurants, or simply soaking in the year-round sunshine from your own backyard oasis. Here, the water is more than just a view, it becomes part of your everyday life. Call today to schedule your showing and start living the waterfront lifestyle you deserve!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,016
Sqft
0.23 ac
Lot size
2
Garage
1987
Year built
One
Levels
$265
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 — not generic estimates.
$4,181 /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
$4,181/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.
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
−8.4%
$/sqft vs PORT CHARLOTTE SEC 060
$265 vs $327
Days on market
93 vs 59 typical
Where $265/sqft sits among the 22 homes for sale in PORT CHARLOTTE SEC 060
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 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)
13 of 22
PORT CHARLOTTE SEC 060 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1272% 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 3098 MAUCK TERRACE
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$440,000
3172 JENNINGS BOULEVARD · same community
3 bd · 2 ba · 1,924 sqft · $229/sqft · 5 DOM
Sold · Mar ’26$800,000
2540 KLASS TERRACE · same community
3 bd · 2 ba · 2,117 sqft · $378/sqft · 507 DOM
Sold · Dec ’25$470,000
12325 MITCHELL TERRACE · same community
4 bd · 2.5 ba · 2,144 sqft · $219/sqft · 391 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 3098 MAUCK TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3098 MAUCK TERRACE — 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
3098 MAUCK TERRACE FAQs
What would the monthly payment be for 3098 MAUCK TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,181/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3098 MAUCK TERRACE?+
The most recent tax bill on record (2025) was $7,619. 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 3098 MAUCK TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $535,000, this home is listed about 62% 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 3098 MAUCK 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
Three things that matter here
01Positioned at the premium end
$535,000 runs 1272% above the PORT CHARLOTTE 33981 median — but at 2,016 sqft it's also 23% 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.
03The price has already moved
Listed at $545,000, now $535,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING · Leslie Brown PA. MLS #D6147361.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 3098 MAUCK TERRACE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Darrick to ping you on any price or status change →