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$699,900

Active

10402 Winnipeg St, Port Charlotte, FL 33981

3 beds Β· 2 baths Β· 1,824 sq ft

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE Β· MLS# D6148686

39 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

Welcome to this beautifully updated 3-bedroom, 2-bath waterfront home in desirable South Gulf Cove, offering SAILBOAT WATER and GULF ACCESS. Situated on approximately 80 FT OF SEAWALL, this property features mature landscaping, an eastern-facing backyard, and beautiful water views, creating the perfect setting for the relaxed Southwest Florida lifestyle. The open-concept floor plan is ideal for both everyday living and entertaining, with TRAY CEILINGS and WATER VIEWS from the living room, kitchen, dining area, and primary bedroom. The split bedroom design provides privacy for the spacious primary suite while offering comfortable accommodations for family and guest. The generously sized primary suite is a true retreat, featuring two walk-in closets, a tray ceiling and sliding glass doors leading directly to the pool area. The impressive primary bathroom offers dual sinks, a FREE-STANDING SOAKING TUB, WALK-THRU SHOWER and private toilet closet. The beautifully equipped kitchen features soft close drawers and a solid-surface breakfast bar perfect for casual meals or entertaining. New plank tile flooring throughout provides a fresh, stylish look and easy maintenance. Step outside to your private waterfront oasis featuring a heated saltwater pool, perfect for relaxing and entertaining. The pool area includes a new pool cage, resurfaced pool, and new pool deck, all completed in 2023. Enjoy the peaceful canal setting from the private dock with BOAT LIFT, with plenty of room to enjoy boating, fishing and Southwest Florida's incredible waterways. Canal water is also used for irrigation. Additional features include a tile roof, NEW A/C INSTALLED in 2025, KINECTICO WATER SYSTEM, and pool vacuum which stays with the home. South Gulf Cove is a highly desirable waterfront community featuring sidewalks, parks, and an extensive canal system with access to Charlotte Harbor and the Gulf of Mexico. Conveniently located near beautiful BEACHES, BOATNG, FISHING, BIKING, GOLF, restaurants, shopping, and numerous recreational opportunities. This exceptional home offers the perfect combination of WATERFRONT LIVING, beautiful indoor/outdoor spaces and an outstanding Southwest Florida location. LOTS ON EITHER SIDE ARE FOR SALE WITH SEPARATE PURCHASE.

Facts

Property type
Single Family Residence
Year built
2012
Bathrooms
2 full
Living area
1,824 sqft
Lot size
0.23 acres
Waterfront
Yes Β· 160 ft
Water access
Brackish Water, Gulf/Ocean
Water view
Yes
Private pool
Yes
Exposure
West
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$8,037/yr
Monthly fees
$10/mo
Listed
Sep 16, 2026
MLS #
D6148686

Virtual tour

Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.

Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 10402 WINNIPEG ST. Everything below is editable.

AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.

From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ β€” Florida reassesses on sale and homestead caps reset.

Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.

Starts at $0Deliberately zero until you enter a figure β€” we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.

From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.

AssumptionNot applied β€” your down payment is 20% or more.

Estimated total monthly payment

$4,802

$3,539 of that is principal & interest. 26% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$3,539
Property taxes
$670
Homeowners insurance
$583
Flood insurance
$0
HOA / condo fees
$10
Mortgage insurance (PMI)
$0
Total per month
$4,802

Over the life of the loan

Loan amount
$559,920
Down payment
$139,980
Total interest
$714,147
Principal + interest paid
$1,274,067
Paid off in
2056

Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.

Calculated on this page from the figures above β€” nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.

Take a tour

Pick a day that suits you β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

10402 Winnipeg St, Port Charlotte, FL 33981

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE Β· MLS# D6148686 Β· Active

How would you like to see it?
Which day?
What time of day?

In person Β· Thu, Oct 29 Β· Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

Where this home is

Opens on aerial β€” on this coast the canal, the lot and the neighbours answer more questions than a street grid does.

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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 8:22 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. Β· [email protected]