9222 MELODY CIRCLE, PORT CHARLOTTE, FL, 33981
Active1 days on marketListed Sep 19, 2026MLS #D6148802
About this home
9222 MELODY CIRCLE
WATERFRONT LIVING AT ITS FINEST! Welcome to this FULLY FURNISHED, 2,090 SQ FT, 3-BEDROOM, 2.5-BATH WATERFRONT HOME perfectly positioned on the serene Zephyr Waterway in desirable South Gulf Cove! From the moment you arrive, the mature landscaping, irrigation system, expansive paver driveway, and impressive 3-car garage set the tone for a home that combines Florida living with effortless style. Inside, a bright and spacious OPEN FLOORPLAN WITH SPLIT-BEDROOM DESIGN showcases soaring tray ceilings, 8-foot doors, crown molding, glass French doors, and beautiful BEACH-THEMED FURNISHINGS. The spectacular great room is filled with natural light thanks to a ZERO-CORNER POCKET SLIDER, creating an incredible connection between the indoor living space and the resort-style lanai. The kitchen features raised bar seating, granite countertops, soft-close drawers, updated appliances, a range with hood, and a dining area with double sliders PLUS the zero-corner slider—perfect for entertaining and enjoying the waterfront views. The light-filled den, highlighted by a large arched window, offers incredible flexibility and could easily serve as a 4TH BEDROOM, HOME OFFICE, OR PRIVATE RETREAT. A spacious laundry room adds everyday convenience. The PRIVATE PRIMARY SUITE is generously sized and features tray ceilings, abundant windows, and direct views toward the lanai and canal. Two custom walk-in closets provide exceptional storage, while the luxurious en-suite bath offers a private water closet, dual-access walk-around shower, split granite vanities, exhaust fans, and bright windows surrounding the shower. Both guest bedrooms feature ceiling fans and large built-in closets, with one guest bedroom offering direct access to the lanai and convenient access to the half bath with granite-topped vanity. But the REAL SHOWSTOPPER IS OUT BACK! Step into your own private Florida oasis where the expansive screened lanai features PAVER DECKING, AN OUTDOOR KITCHEN, BUILT-IN KITCHENAID GRILL, ICE MAKER, WINE FRIDGE, GRANITE COUNTERS, AND BUILT-IN SINK—everything you need for unforgettable gatherings. Built-in speakers set the mood, while accordion hurricane shutters provide added peace of mind. An outdoor shower makes pool days even more convenient. And then there’s the HEATED SALTWATER POOL & SPA—a spectacular centerpiece for relaxing, entertaining, and enjoying the Florida sunshine year-round. Beyond the screened lanai, the waterfront lifestyle continues with a COMPOSITE DOCK AND BOAT LIFT, complete with WATER AND ELECTRIC. With its thoughtful design, incredible indoor-outdoor flow, extensive upgrades, gorgeous waterfront setting, and RESORT-STYLE OUTDOOR LIVING, this South Gulf Cove home delivers the Florida lifestyle you've been waiting for. BRING YOUR BOAT, YOUR SWIMSUIT, AND YOUR SENSE OF ADVENTURE—THIS ONE IS READY TO ENJOY!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,090
Sqft
0.25 ac
Lot size
3
Garage
2017
Year built
One
Levels
$364
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.
$5,131 /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
$5,131/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
+16.1%
$/sqft vs PORT CHARLOTTE SEC 071
$364 vs $309
Days on market
1 vs 59 typical
Where $364/sqft sits among the 11 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 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)
4 of 11
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 130% above the Port Charlotte median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 9222 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 · Jul ’26$730,000
9446 IMPALA CIRCLE · same community
3 bd · 2 ba · 2,104 sqft · $347/sqft · 272 DOM
Sold · Nov ’25$441,700
9506 MELODY CIRCLE · same community
4 bd · 3 ba · 2,117 sqft · $209/sqft · 141 DOM
Sold · Aug ’26$356,500
9527 IMPALA CIRCLE · same community
4 bd · 3 ba · 2,117 sqft · $168/sqft · 242 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9222 MELODY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9222 MELODY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9222 MELODY CIRCLE FAQs
What would the monthly payment be for 9222 MELODY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,131/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 9222 MELODY 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 9222 MELODY CIRCLE?+
The most recent tax bill on record (2025) was $6,897. 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 9222 MELODY 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 $760,000, this home is listed about 130% 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
$760,000 runs 130% above the Port Charlotte median — but at 2,090 sqft it's also 28% 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.
03Fresh on the market
Only 1 day on market in a Port Charlotte market that averages 59 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Lore Mooren. MLS #D6148802.
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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