5323 EARLY TERRACE, PORT CHARLOTTE, FL, 33981
Active23 days on marketListed Aug 28, 2026MLS #TB8543343
About this home
5323 EARLY TERRACE
Just STUNNING! Discover an exceptional estate home that blends luxury and true Florida waterfront living. Perfectly positioned on three waterfront lots—totaling over three-quarters of an acre—this custom 4,265 sq. ft. residence offers sweeping views of the wide canal leading straight out to the Myakka River. Built with meticulous attention to detail, this 3-bedroom plus office, 3.5-bath pool home showcases refined architectural features including crown molding, step and coffered ceilings with custom lighting, built-in illuminated display cases, and and one elegant fireplace. French doors throughout the home open to an expansive 24' x 94' lanai, engineered for unobstructed water views creating a truly unique indoor–outdoor living experience. The chef’s kitchen impresses with high-end custom cabinetry, granite countertops, a large center island, breakfast bar, convection wall oven and microwave, stainless steel GE Monogram appliances, and picturesque views of the pool and canal. A built-in desk adds convenience for daily tasks. The serene master suite features a spacious sitting area, custom closet organizers, and a luxurious bath with separate vanities, a soaking tub, and a walk-in shower. Additional highlights include an intercom system, a state-of-the-art security and exterior video monitoring system, and an oversized 1,049 sq. ft. three-car garage complete with built-in cabinetry and pull-down attic access—ideal for car enthusiasts or hobbyists. The home also features a new roof installed in 2023, adding long-term value and reassurance. Outdoor living is elevated with a heated 15' x 33' saltwater pool with waterfall and an exterior shower. The pool cage was recently replaced and upgraded with oversized 6" gutters. The lanai is pre-plumbed and pre-wired for a future outdoor kitchen, making it perfect for entertaining in true Florida style. Boating and water-sport enthusiasts will appreciate the 62-foot dock with a 9,000-lb. boat lift, electric and water hookups at the dock, plus two additional jet-ski lifts located on the third lot. A 50-amp RV hookup provides added convenience for guests or recreational vehicles. Whether you enjoy boating, fishing, kayaking, or simply relaxing by the water, this home offers a lifestyle that is both luxurious and effortlessly coastal. Begin your next chapter in the prestigious riverfront community of Gulf Cove—where every day feels like a retreat.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
4,265
Sqft
0.77 ac
Lot size
3
Garage
2002
Year built
One
Levels
$375
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 and the real association fee — not generic estimates.
$9,517 /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
$9,517/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.
$/sqft vs PORT CHARLOTTE SEC 054
$375 vs $312
Days on market
23 vs 59 typical
Where $375/sqft sits among the 6 homes for sale in PORT CHARLOTTE SEC 054
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 Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33981 — neighborhood snapshot
Population
14,468
Median age
61.4
Median income
$71,266
Median home value
$355,600
Avg household
2.28
Households w/ children
864
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)
3 of 6
PORT CHARLOTTE SEC 054 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3900% 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 5323 EARLY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$775,000
5174 CONNER TERRACE · same community
3 bd · 3 ba · 2,352 sqft · $330/sqft · 135 DOM
Sold · Jun ’26$775,000
5217 FORBES TERRACE · same community
3 bd · 2 ba · 2,119 sqft · $366/sqft · 211 DOM
Sold · Apr ’26$540,000
5265 NEVILLE TERRACE · same community
3 bd · 2 ba · 2,117 sqft · $255/sqft · 177 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 5323 EARLY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5323 EARLY TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5323 EARLY TERRACE FAQs
What would the monthly payment be for 5323 EARLY TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,517/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 5323 EARLY TERRACE?+
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 5323 EARLY TERRACE?+
The most recent tax bill on record (2025) was $1,408. 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 5323 EARLY TERRACE?+
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 $1,600,000, this home is listed about 385% 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 5323 EARLY TERRACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of HECKLER REALTY GROUP LLC · Amy Heckler. MLS #TB8543343.
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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