14542 LILLIAN CIRCLE, PORT CHARLOTTE, FL, 33981
Active4 days on marketListed Nov 3, 2026MLS #D6149517
About this home
14542 LILLIAN CIRCLE
Canal-Front Seasonal Retreat in South Gulf Cove Enjoy the Florida sunshine at 14542 Lillian Circle, a bright, spacious 3-bedroom, 2-bath canal-front home in Port Charlotte’s sought-after South Gulf Cove community. Step through the double front doors into an open living area with soaring ceilings, warm terracotta tile, and plenty of natural light. The kitchen opens to the living and dining spaces, so it’s easy to cook, gather, and relax together. A separate family room with a large sectional and flat-screen TV makes a cozy spot for movie nights. The primary suite has sliding doors to the lanai and a private bath with dual vanities and a walk-in shower. Two more guest bedrooms and a full guest bath give family and friends their own comfortable space. Outdoors is where this home really shines. Have your morning coffee on the screened lanai overlooking the shaded backyard, then head down to the private dock and boat lift on the canal. Bring your boat, cast a line, or just enjoy the quiet water views. You’re just minutes from the beaches of Englewood and Boca Grande, local golf courses, South Gulf Cove Park, restaurants, and shopping, so this is a perfect home base for a slower, sunnier season. Now booking for the season.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,135
Sqft
0.23 ac
Lot size
3
Garage
1998
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$218 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$218/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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.
$/sqft vs PORT CHARLOTTE SEC 87
$3 vs $319
Days on market
4 vs 55 typical
Where $3/sqft sits among the 31 homes for sale in PORT CHARLOTTE SEC 87
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
5,682
Median age
63
Median income
$108,262
Median home value
$544,120
Avg household
2
Households w/ children
246
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
$290K → $290K
Port Charlotte median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
15 of 31
PORT CHARLOTTE SEC 87 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 14542 LILLIAN 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$680,000
9944 WINNIPEG STREET · same community
3 bd · 2 ba · 2,137 sqft · $318/sqft · 316 DOM
Sold · Dec ’25$715,500
10048 WINNIPEG STREET · same community
3 bd · 2 ba · 2,116 sqft · $338/sqft · 2 DOM
Sold · Dec ’25$555,000
14527 MAYSVILLE CIRCLE · same community
3 bd · 3 ba · 2,197 sqft · $253/sqft · 214 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 14542 LILLIAN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14542 LILLIAN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14542 LILLIAN CIRCLE FAQs
What would the monthly payment be for 14542 LILLIAN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $218/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 14542 LILLIAN CIRCLE?+
The listing reports pets: No. 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 $7,000, this home is listed about 98% below the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 14542 LILLIAN 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
01Under the PORT CHARLOTTE 33981 market on paper
$7,000 is 84% below the PORT CHARLOTTE 33981 median of $44,900, and at $3/sqft it sits under the Port Charlotte average of $224.
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 4 days on market in a Port Charlotte market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TARPON REAL ESTATE, INC. · Stephinie Futch. MLS #D6149517.
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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