15666 APPLEWHITE CIRCLE, PORT CHARLOTTE, FL, 33981
Active201 days on marketListed Jan 20, 2026MLS #N6142531
About this home
15666 APPLEWHITE CIRCLE
WATERFRONT CLEARED LOT | ONE BRIDGE TO OPEN WATER | 80’ OF WATER FRONTAGE Outstanding opportunity to own a cleared waterfront lot in the desirable boating community of South Gulf Cove. Enjoy just one bridge out to open water, with quick access to the lagoon and onward to the Gulf of Mexico, surrounding islands, and pristine beaches. This lot offers approximately 80 feet of water frontage with beautiful views of intersecting canals. All utilities are already in place, making it ready for your Florida dream home. New construction is actively underway throughout the neighborhood, adding to the area’s growth and appeal. South Gulf Cove features a public boat ramp, nearby marinas, parks, and playgrounds, and is conveniently located just 15–25 minutes from the white-sand beaches of Boca Grande and Manasota Key. World-class fishing, golf courses, restaurants, and shopping are all close by. Whether you choose to build now or hold for the future, this is a fantastic waterfront investment opportunity in one of Southwest Florida’s premier boating communities.
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.
$1,041 /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
$1,041/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 204% 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 15666 APPLEWHITE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$200,000
10474 RIVERSIDE ROAD · same community
4 bd · 3 ba · 1,920 sqft · $104/sqft · 34 DOM
Sold · Jun ’26$935,000
15576 ALDAMA CIRCLE · same community
3 bd · 3 ba · 2,093 sqft · $447/sqft · 88 DOM
Sold · May ’26$384,500
15081 ALDAMA CIRCLE · same community
3 bd · 2 ba · 2,101 sqft · $183/sqft · 145 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 15666 APPLEWHITE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15666 APPLEWHITE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15666 APPLEWHITE CIRCLE FAQs
What would the monthly payment be for 15666 APPLEWHITE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,041/mo — principal and interest, the actual property-tax bill, the $10/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 15666 APPLEWHITE CIRCLE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15666 APPLEWHITE CIRCLE?+
The most recent tax bill on record (2025) was $1,342. 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 15666 APPLEWHITE CIRCLE?+
The listing reports pets: 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 $119,900, this home is listed about 64% 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 15666 APPLEWHITE 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
01Positioned at the premium end
$119,900 runs 204% 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
201 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 EVOLVE REAL ESTATE · Erik Dunigan. MLS #N6142531.
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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