4245 SPIRE STREET, PORT CHARLOTTE, FL, 33981
Active26 days on marketListed Oct 12, 2026MLS #GC544122
About this home
4245 SPIRE STREET
TARPON SEASON STARTS AT YOUR OWN DOCK! This 6-bed, 4-bath Gulf Cove pool home sits on a quiet, private street along an extra-wide canal with direct access to the Myakka River, Charlotte Harbor, the Intracoastal, and the Gulf. It is minutes by boat to Boca Grande’s world-famous tarpon fishing and the Boca Sand Bar, and about 20 minutes by boat to Fisherman’s Village in Punta Gorda. BUILT FOR BOATERS: 75 ft of frontage, a concrete seawall, a private dock with 120V/220V shore power and fresh water, and a 20,000-lb boat lift under a 40-ft covered canopy. BUILT TO LAST: Full block construction, metal roof, 15kW generator, 500-gal propane tank, and 4,777 sq ft of high and dry cooled living space. Freshly painted inside and out. NO HOA. TWO COMPLETE LIVING LEVELS: Each level has its own kitchen, living space, and fireplace, ideal for guests, extended family, or multigenerational living. UPPER VIP LEVEL: The chef’s kitchen features Wolf appliances, a gas-cooktop island under a custom wood range hood, double wall ovens, a new custom fridge, solid wood cabinets with four floor-to-ceiling pantry pullouts, and granite counters. This level also offers a family room, dining room, large dinette, and water-view office. The luxury master suite has two walk-in closets and a spa-style bath with dual sinks, a soaking tub, and a walk-in dual shower. Two more bedrooms share a Jack-and-Jill bath. Front and rear balconies offer water and sunset views. GROUND LEVEL: A second full kitchen, a living room with a fireplace, a flex space, and 3 bedrooms with walk-in closets. The ground-level master’s adjoining bath opens to the pool lanai for easy entertaining. OUTDOORS: The screened lanai surrounds a heated saltwater pool and in-ground heated spa with water views, plus an outdoor shower. EXTRAS: New water heater, new Jandy pool pump, iAqualink 3.0, Sonos audio, security cameras, central vacuum, crown molding, high ceilings, irrigation, and low-maintenance landscaping. Oversized 2.75-car garage with home gym. Offered partially furnished. Community boat ramp, park, and fishing areas. A new park in the preserve across from the home is expected to open in Dec 2026, with trails, a beach, a fishing pier, and boat docks. The new pier and beach are about a one-mile walk away. Zoned for Myakka River Elem, L.A. Ainger Middle, and Lemon Bay High. Schedule your private showing today!
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
4,777
Sqft
0.23 ac
Lot size
2008
Year built
Two
Levels
$374
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 — not generic estimates.
$13,125 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$13,125/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.
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.
vs edgeAI estimate
+6.3%
$/sqft vs PORT CHARLOTTE SEC 060
$374 vs $292
Days on market
26 vs 55 typical
Where $374/sqft sits among the 23 homes for sale in PORT CHARLOTTE SEC 060
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 Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,274
Median age
63
Median income
$75,263
Median home value
$381,528
Avg household
2
Households w/ children
257
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)
10 of 23
PORT CHARLOTTE SEC 060 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3876% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4245 SPIRE STREET
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$850,000
3015 CURRY TERRACE · same community
4 bd · 3 ba · 4,124 sqft · $206/sqft · 225 DOM
Sold · Aug ’26$710,000
12439 PRATHER AVENUE · same community
3 bd · 2.5 ba · 2,800 sqft · $254/sqft · 299 DOM
Sold · May ’26$495,000
12403 COLE AVENUE · same community
3 bd · 3 ba · 2,496 sqft · $198/sqft · 19 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 4245 SPIRE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4245 SPIRE STREET — 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
4245 SPIRE STREET FAQs
What would the monthly payment be for 4245 SPIRE STREET?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $13,125/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4245 SPIRE STREET?+
The most recent tax bill on record (2025) was $12,754. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $1,785,000, this home is listed about 442% above the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 4245 SPIRE STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Mark Elliott. MLS #GC544122.
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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