4186 YUCATAN CIRCLE, PORT CHARLOTTE, FL, 33948
Active252 days on marketListed Dec 2, 2025MLS #J995519
About this home
4186 YUCATAN CIRCLE
Port Charlotte Boater’s Dream! Experience the ultimate Southwest Florida lifestyle with this beautifully updated waterfront home featuring west-facing views for spectacular sunsets. Situated in the world’s second-best fishing estuary, this property offers quick access to open water — just 1 0 minutes at idle speed via the Countryman Waterway and only 2 miles to the Gulf of America. Close to Spring Lake Park public boat launch on Edgewater Rd. Built in 2003, this 3-bedroom, 2-bathroom single-family home features a desirable split floor plan, vaulted ceilings, and pocket sliders from the living room, primary suite and breakfast room opening to a spacious screened lanai overlooking the 40-foot boat dock with covered lift - capacity 1 0,000 lbs. Recent updates include a new roof (2023), new flooring to interior and lanai with 23" tile, fresh interior and exterior paint, new baseboards, modern light fixtures and a new irrigation system. Additional features include a 63" mounted TV and entertainment center in living room, motion-sensor lights and a surround sound system for comfort and peace of mind. Enjoy the outdoors with a fire pit area, mango tree and the shade of a majestic oak. The 0.23-acre lot offers plenty of space for a pool. No HOA. Pet friendly community. The dock features pressure-treated wood, and the lift has been serviced and upgraded. This home boasts excellent elevation and benefits from underground power lines. The County is currently switching homes onto Central Sewer. Conveniently located near downtown Port Charlotte and Punta Gorda, enjoy easy access to shopping, fine dining, entertainment, and the Punta Gorda Airport via US-41 or I-75. Don’t miss this rare opportunity to own a waterfront home perfectly designed for boaters and anglers alike!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,688
Sqft
0.23 ac
Lot size
2
Garage
2003
Year built
One
Levels
$296
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.
$3,895 /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
$3,895/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.
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
+39.4%
$/sqft vs Port Charlotte actives
$296 vs $208
Days on market
252 vs 60 typical
Where $296/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 O'hara
Get to know Port Charlotte. See the full Port Charlotte guide →
O'hara — neighborhood snapshot
Population
5,202
Median age
58
Median income
$75,856
Median home value
$383,125
Avg household
2
Households w/ children
392
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)
190 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 1563% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4186 YUCATAN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$419,000
4051 ROCK CREEK DRIVE · same community
3 bd · 2 ba · 1,626 sqft · $258/sqft · 33 DOM
Sold · Apr ’26$254,000
18228 ACKERMAN AVENUE · same community
2 bd · 2 ba · 1,064 sqft · $239/sqft · 32 DOM
Sold · Mar ’26$370,000
18106 PETOSKEY CIRCLE
3 bd · 2 ba · 1,686 sqft · $219/sqft · 229 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4186 YUCATAN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4186 YUCATAN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4186 YUCATAN CIRCLE FAQs
What would the monthly payment be for 4186 YUCATAN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,895/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 4186 YUCATAN CIRCLE?+
The most recent tax bill on record (2025) was $6,924. 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 4186 YUCATAN CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $499,000, this home is listed about 51% above the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.
Which schools are assigned to 4186 YUCATAN CIRCLE?+
Murdock Middle School (middle), Meadow Park Elementary School (elementary), Port Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$499,000 runs 1563% above the PORT CHARLOTTE 33948 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
252 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $529,000, now $499,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J995519.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 4186 YUCATAN CIRCLE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Julian to ping you on any price or status change →