3077 STONE STREET, PORT CHARLOTTE, FL, 33981
Active119 days on marketListed Apr 21, 2026MLS #O6393903
About this home
3077 STONE STREET
Experience the luxury of waterfront living with this fully remodeled pool home, located in the highly sought-after Gulf Cove community. From the moment you step through the grand double entry doors, you are greeted by a breathtaking view of the sparkling pool and serene water beyond. This home has been thoughtfully redesigned to offer both comfort and elegance, making it the perfect space for entertaining guests or simply enjoying quiet moments by the water. The spacious floor plan features a cozy family room with a stunning wood-burning fireplace and a built-in WET bar, creating an inviting atmosphere for gatherings. Adjacent to the family room, you'll find a separate living room that provides additional space for relaxation or formal entertaining. The luxurious master suite is positioned on the opposite side of the home from the two guest bedrooms, ensuring maximum privacy. Enjoy spectacular water views right from your bed, and indulge in the spa-like master bath, complete with an oversized double shower, dual sink, and two expansive walk-in closets. Throughout the home, elegant plantation shutters adorn every window, adding a touch of timeless sophistication. Both guest bedrooms are generously sized and feature walk-in closets, offering ample storage space for all your needs. The chef’s kitchen is a true highlight, with brand-new, high-end appliances, sleek countertops, and a large pass through window that overlooks the water, allowing you to enjoy the beautiful scenery while you cook. Step outside to the newly renovated lanai and pool area, where you'll find brand-new scenic pool screens offering uninterrupted views of the tranquil waterway. Whether you’re swimming, lounging, or entertaining, this space is designed to maximize your enjoyment of the outdoors. For boat lovers, this property is a dream come true, with its private dock equipped with electricity and a boat lift, giving you direct access to the water whenever you choose. The decking was just replaced. Don’t miss the opportunity to own this completely remodeled, waterfront masterpiece. Make this stunning home yours today and start living the dream! FOR THOSE OF YOU WONDERING THIS HOME HAS NEVER FLOODED
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,526
Sqft
0.24 ac
Lot size
2
Garage
1989
Year built
One
Levels
$281
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.
$4,958 /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
$4,958/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.
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
+15.7%
$/sqft vs PORT CHARLOTTE SEC 060
$281 vs $300
Days on market
119 vs 59 typical
Where $281/sqft sits among the 19 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
4,064
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)
11 of 19
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 1721% 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 3077 STONE 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$485,000
12411 COLE AVENUE · same community
3 bd · 2 ba · 2,527 sqft · $192/sqft · 236 DOM
Sold · May ’26$495,000
12403 COLE AVENUE · same community
3 bd · 3 ba · 2,496 sqft · $198/sqft · 19 DOM
Sold · Apr ’26$699,000
3069 STONE STREET · same community
3 bd · 2 ba · 2,444 sqft · $286/sqft · 329 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 3077 STONE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3077 STONE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3077 STONE STREET FAQs
What would the monthly payment be for 3077 STONE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,958/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 3077 STONE STREET?+
The most recent tax bill on record (2025) was $8,410. 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 $709,999, this home is listed about 115% 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 3077 STONE 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
Four things that matter here
01Positioned at the premium end
$709,999 runs 1721% above the PORT CHARLOTTE 33981 median — but at 2,526 sqft it's also 54% larger than the typical Port Charlotte listing.
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
119 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 $729,900, now $709,999 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LAUREATE PARK REALTY · Dan Letzler. MLS #O6393903.
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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