4195 SPIRE STREET, PORT CHARLOTTE, FL, 33981
Active637 days on marketListed Nov 18, 2024MLS #O6258547
About this home
4195 SPIRE STREET
PENINSULA LOT WITH OPEN WATER VIEWS IN GULF COVE, A RIVER FRONT COMMUNITY. Gulf Cove is a family friendly community located in Charlotte County, Florida on the banks of the scenic Myakka River with direct boating access to Charlotte Harbor and the Gulf of Mexico. Build your dream home on this hard-to-find lot. Enjoy spectacular water views and launch your boat from your deep-water canal. Close to Englewood Beach, shopping minutes away and the Tarpon fishing capital of the world "Boca Grande" is around the corner from your dock!
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.
$3,771 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$3,771/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.
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 1426% 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 4195 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$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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4195 SPIRE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4195 SPIRE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4195 SPIRE STREET FAQs
What would the monthly payment be for 4195 SPIRE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,771/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 4195 SPIRE STREET?+
The most recent tax bill on record (2023) was $2,128. 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 $595,000, this home is listed about 80% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4195 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.
The brief
Three things that matter here
01Positioned at the premium end
$595,000 runs 1426% 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
637 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6258547.
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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