2425 VANCE TERRACE, PORT CHARLOTTE, FL, 33981
Active842 days on marketListed Apr 18, 2024MLS #N6132474
About this home
2425 VANCE TERRACE
Come and build your dream home on this lot located on a canal with direct access to the Myakka River and the Charlotte Harbor. . From there your adventures can continue out into the Charlotte Harbor and off to the Gulf of Mexico. Located in the desirable location of Gulf Cove it is sure to meet the needs of Boaters, kayakers and Fishing enthusiasts. The lot is located on a cul-de-sac offering a private setting for your home. There are already established homes on this street utilizing the accessibility to the water and enjoying the water views. With 80 feet of waterfront you will have plenty of room for your water toys. Come build your dock and make this a perfect place for you to enjoy Florida living.
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 — not generic estimates.
$1,177 /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
$1,177/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 Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,064
Median age
62
Median income
$57,533
Median home value
$349,277
Avg household
2
Households w/ children
274
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 227% 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 2425 VANCE TERRACE
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$369,500
12430 MITCHELL TERRACE · same community
2 bd · 2 ba · 1,120 sqft · $330/sqft · 26 DOM
Sold · Jun ’26$365,000
2532 DIXON TERRACE · same community
2 bd · 2 ba · 1,128 sqft · $324/sqft · 4 DOM
Sold · Mar ’26$150,000
2549 KLASS TERRACE · same community
2 bd · 2 ba · 1,227 sqft · $122/sqft · 5 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 2425 VANCE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2425 VANCE TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2425 VANCE TERRACE FAQs
What would the monthly payment be for 2425 VANCE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,177/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 2425 VANCE TERRACE?+
The most recent tax bill on record (2023) was $2,405. 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 $129,000, this home is listed about 61% 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 2425 VANCE TERRACE?+
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
Four things that matter here
01Positioned at the premium end
$129,000 runs 227% above the PORT CHARLOTTE 33981 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
842 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $154,000, now $129,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Terri Persing. MLS #N6132474.
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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