10185 OWL HEAD CIRCLE, PORT CHARLOTTE, FL, 33981
Active146 days on marketListed Mar 16, 2026MLS #GC538506
About this home
10185 OWL HEAD CIRCLE
Build your Florida dream home on this attractive homesite in South Gulf Cove near St. Paul Drive. This 80' x 125' lot features a desirable east-facing backyard, perfect for enjoying the morning sun. The property is not located in a flood zone, which can help reduce building requirements and insurance costs. Public water, sewer, and electric are available at the street, making it convenient for future construction. Beautiful waterfront homes are located across the street, adding to the appeal of the neighborhood. A new home plan has already been selected and priced with a local builder, making it easy for the next owner to move forward with building if desired. South Gulf Cove offers a very low HOA and is ideally located near Boca Grande, Englewood Beach, and Manasota Key, as well as great restaurants, shopping, boating, and outdoor recreation. Come enjoy the relaxed Florida lifestyle and make this the perfect site for your future home!
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$432 /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
$432/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.
Where it sits
Inside South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% 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 10185 OWL HEAD CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$406,000
9167 KEY WEST STREET · same community
3 bd · 2 ba · 1,516 sqft · $268/sqft · 14 DOM
Sold · Jan ’26$368,200
15483 MCCOMB CIRCLE · same community
3 bd · 2 ba · 1,597 sqft · $231/sqft · 110 DOM
Sold · May ’26$516,000
9310 ROSEBUD CIRCLE · same community
3 bd · 2 ba · 1,841 sqft · $280/sqft · 27 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10185 OWL HEAD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10185 OWL HEAD CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10185 OWL HEAD CIRCLE FAQs
What would the monthly payment be for 10185 OWL HEAD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $432/mo — principal and interest, the actual property-tax bill, the $6/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 10185 OWL HEAD CIRCLE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10185 OWL HEAD CIRCLE?+
The most recent tax bill on record (2025) was $528. 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 10185 OWL HEAD CIRCLE?+
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 $35,000, this home is listed about 89% below the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 10185 OWL HEAD 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
$35,000 is 11% below the PORT CHARLOTTE 33981 median of $39,500.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
146 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Alena Knoepfler. MLS #GC538506.
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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