9399 PANAMA CIRCLE, PORT CHARLOTTE, FL, 33981
Active163 days on marketListed Feb 24, 2026MLS #S5144530
About this home
9399 PANAMA CIRCLE
Oversized residential lot offering almost 0.28 acres, located in the highly desirable South Gulf Cove community. Zoned residential according public records and surrounded by high-end and luxury homes. The community features wide sidewalks, multiple public boat ramps, and convenient access to outdoor and waterfront amenities. Ideal opportunity to build a primary residence, vacation home, or investment property. Public water available, public sewer available, power available.
Facts & features
The home at a glance
0.28 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.
$424 /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
$424/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 15% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 9399 PANAMA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$438,000
9613 MIAMI CIRCLE · same community
3 bd · 2 ba · 1,665 sqft · $263/sqft · 5 DOM
Sold · Dec ’25$300,000
9333 HIALEAH TERRACE · same community
3 bd · 2 ba · 1,866 sqft · $161/sqft · 143 DOM
Sold · Feb ’26$700,000
9556 GALAXIE CIRCLE · same community
3 bd · 2 ba · 1,978 sqft · $354/sqft · 77 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9399 PANAMA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9399 PANAMA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9399 PANAMA CIRCLE FAQs
What would the monthly payment be for 9399 PANAMA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $424/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 9399 PANAMA CIRCLE?+
The most recent tax bill on record (2024) was $627. 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 9399 PANAMA CIRCLE?+
The listing reports pets: No. 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 $33,500, this home is listed about 90% below the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.
Which schools are assigned to 9399 PANAMA 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
01Under the PORT CHARLOTTE 33981 market on paper
$33,500 is 15% below the PORT CHARLOTTE 33981 median of $39,500.
02Time on market is leverage
163 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $39,500, now $33,500 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EMPIRE NETWORK REALTY · Jorge Gutierrez Freites. MLS #S5144530.
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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