10378 WINNIPEG STREET, PORT CHARLOTTE, FL, 33981
Active3 days on marketListed Nov 4, 2026MLS #O6454956
About this home
10378 WINNIPEG STREET
### Beautiful Waterfront Lot with Expansive Canal Views in South Gulf Cove! Discover an exceptional opportunity to own a waterfront property in the desirable South Gulf Cove community of Port Charlotte, Florida. This approximately **10,000-square-foot (0.23-acre) residential lot** offers an ideal setting to build your dream waterfront home. **Uniquely positioned at a T-intersection of canals, this property enjoys expansive, unobstructed water views looking straight down the intersecting canal.** This desirable location provides a more open and picturesque waterfront setting than a typical canal lot, creating the perfect backdrop for a custom home, outdoor entertaining area, or relaxing waterfront retreat. Situated along South Gulf Cove's extensive saltwater canal system, the property offers boating access to Charlotte Harbor and the Gulf of Mexico through the community's waterways and lock system. Enjoy fishing, kayaking, boating, and the laid-back Southwest Florida lifestyle right from your backyard. Conveniently located near Boca Grande, Englewood Beach, golf courses, shopping, dining, and recreational opportunities, this property offers the perfect combination of tranquility and accessibility. **With its desirable T-intersection waterfront location, sweeping canal views, and access to Gulf waters, this property is an outstanding opportunity to create your own piece of Florida paradise.**
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.
$1,793 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,793/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Where it sits
Inside South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,682
Median age
63
Median income
$108,262
Median home value
$544,120
Avg household
2
Households w/ children
246
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
$290K → $290K
Port Charlotte median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 350% 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 10378 WINNIPEG STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$480,000
14382 LILLIAN CIRCLE · same community
3 bd · 2 ba · 1,451 sqft · $331/sqft · 219 DOM
Sold · Apr ’26$400,000
14150 MAYSVILLE CIRCLE · same community
3 bd · 2 ba · 1,564 sqft · $256/sqft · 42 DOM
Sold · Jul ’26$375,000
10071 SUNDAY DRIVE · same community
3 bd · 2 ba · 1,622 sqft · $231/sqft · 333 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 10378 WINNIPEG STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10378 WINNIPEG STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10378 WINNIPEG STREET FAQs
What would the monthly payment be for 10378 WINNIPEG STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,793/mo — principal and interest, the actual property-tax bill, the $6/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 10378 WINNIPEG STREET?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10378 WINNIPEG STREET?+
The most recent tax bill on record (2025) was $1,810. 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 10378 WINNIPEG STREET?+
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 $202,000, this home is listed about 39% below the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 10378 WINNIPEG 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
$202,000 runs 350% 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.
03Fresh on the market
Only 3 days on market in a Port Charlotte market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BLUE LIGHTHOUSE REALTY INC · Jorge Zea. MLS #O6454956.
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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