CENTURY 21 Edge
$879,0003 bd2 ba1,668 sqft$527 /sqft$5,699 /mo all-in ↓

10686 KEARSARGE CIRCLE, PORT CHARLOTTE, FL, 33981

Active2 days on marketListed Sep 18, 2026MLS #D6148720

WaterfrontPrivate poolSingle Family ResidenceWATERVIEW PROPERTY OWNERS' ASSOCIATION,

About this home

10686 KEARSARGE CIRCLE

From the moment you enter this exceptional waterfront home, your eyes are drawn through the elegant interior and across the inviting pool to a breathtaking panorama of expansive greenbelt, sailboat-access water, and protected preserve beyond. Watch sailboats glide by on the canal while enjoying a view that is more than beautiful. At the heart of the home's outdoor living experience is the south-facing screened pool area, perfectly positioned to capture abundant Florida sunshine throughout the day. Whether you are enjoying a morning swim, relaxing poolside with a good book, or entertaining friends, this private outdoor retreat offers the quintessential Florida lifestyle.Dramatic zero-corner sliding glass doors blur the line between indoors and out, opening the great room to the pool and lanai and creating a seamless connection to the spectacular setting beyond. From inside the home or while relaxing poolside, enjoy a front-row seat to abundant wildlife, and the natural beauty that makes this property truly special.Inside high ceilings and an open great room create an inviting sense of space, while the desirable split-bedroom floor plan provides privacy. Built by DM Dean Homes, the residence includes valuable upgrades such as spray foam insulation, while the expansive three-car garage offers exceptional flexibility for vehicles, recreational equipment, storage, or a workshop.For those who dream of a true waterfront lifestyle, the boating access is exceptional. This sailboat-access location is one of the most desirable in South Gulf Cove. Travel approximately 2,000 feet east at minimum wake speed to the lagoon, where the waterway opens up and speed restrictions are lifted. From there, just one lock separates you from open water.Water and electric are available at the water's edge ready for the dock of your choosing. The canal also supplies water to the irrigation system, helping maintain the property's lush landscape.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,668

Sqft

0.27 ac

Lot size

3

Garage

2019

Year built

One

Levels

$527

Per sqft

Private poolWaterfrontPark/Greenbelt & Pool & Water viewNegotiablePets allowed

Inside

FlooringLuxury Vinyl · Porcelain Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionConcrete · Stucco
FoundationSlab
ViewPark/Greenbelt · Pool · Water
FacesNortheast
ExteriorHurricane Shutters · Irrigation System · Lighting · Sliding Doors

Community & fees

HOA fee$8/mo
Taxes (2025)$5,499/yr
PetsYes
CommunityCommunity Boat Ramp · Water Access · Deed Restrictions

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation · Public

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.

$5,699 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,743
PMI (est., until 20% equity)$330
Property tax — 2025 actual bill$458
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $87,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $87,900
Interest rate6.00%
Loan term

Estimated payment

$5,699/mo

Principal & interest$4,743
PMI (est., until 20% equity)$330
Property taxes (actual bill)$458
HOA / condo fee$8
Est. insurance$160

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.

List $879K
$492KedgeAI estimate $555,358 · range $512K$573K$914K

vs edgeAI estimate

+58.3%

$/sqft vs Port Charlotte actives

$527 vs $211

Days on market

2 vs 59 typical

Where $527/sqft sits among the 400 Port Charlotte actives

166
128
57
26
13
10 · this home
$130–197$197–263$263–329$329–395$395–461$461+

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 Port Charlotte

Get to know Port Charlotte. See the full Port Charlotte guide →

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

223 of 400

Port Charlotte actives have cut their price

Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 166% above the Port Charlotte median. See the full Port Charlotte market guide →

Paper trail

This home's history

Sep 18, 2026Listed at $879,000 · 2 days on market since
2019Built · WATERVIEW PROPERTY OWNERS' ASSOCIATION,

Reality check

What actually sold near 10686 KEARSARGE CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

9555 HALLENDALE DRIVESold · Aug ’26

$251,900

9555 HALLENDALE DRIVE

3 bd · 2 ba · 1,686 sqft · $149/sqft · 123 DOM

10242 HALLENDALE DRIVESold · Apr ’26

$325,000

10242 HALLENDALE DRIVE

4 bd · 2 ba · 1,743 sqft · $186/sqft · 297 DOM

15658 APPLEWHITE CIRCLESold · Sep ’26

$749,000

15658 APPLEWHITE CIRCLE

3 bd · 2 ba · 1,801 sqft · $416/sqft · 72 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.

Anealya Hammad

Your agent

Anealya Hammad

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 10686 KEARSARGE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10686 KEARSARGE CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

10686 KEARSARGE CIRCLE FAQs

What would the monthly payment be for 10686 KEARSARGE CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,699/mo — principal and interest, the actual property-tax bill, the $8/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 10686 KEARSARGE CIRCLE?+

The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10686 KEARSARGE CIRCLE?+

The most recent tax bill on record (2025) was $5,499. 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 10686 KEARSARGE 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 $879,000, this home is listed about 166% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$879,000 runs 166% above the Port Charlotte median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 2 days on market in a Port Charlotte market that averages 59 — if it fits, move quickly.

Listing courtesy of PLACE IN THE SUN REAL ESTATE, LLC · Steve LeVasseur. MLS #D6148720.

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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