
10686 KEARSARGE CIRCLE, PORT CHARLOTTE, FL, 33981
Active2 days on marketListed Sep 18, 2026MLS #D6148720
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
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.
$5,699 /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
$5,699/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
+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
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
$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
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.
Sold · Aug ’26$251,900
9555 HALLENDALE DRIVE
3 bd · 2 ba · 1,686 sqft · $149/sqft · 123 DOM
Sold · Apr ’26$325,000
10242 HALLENDALE DRIVE
4 bd · 2 ba · 1,743 sqft · $186/sqft · 297 DOM
Sold · 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.
Your agent
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10686 KEARSARGE CIRCLE — start here.

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.
Keep looking
Similar homes nearby
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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