$684,999
Active10535 Aztec Rd, Port Charlotte, FL 33981
3 beds · 2 baths · 1,929 sq ft
Listing courtesy of FINEHIRSH REALTY POWERED BY SELLSTATE · MLS# W7887978
95 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Waterfront lot
- Canal frontage
- Motorized boat lift
- Heated pool
- Hot tub
- Outdoor kitchen
- Fruit-bearing trees
- Screened lanai
AI-selected highlights from the listing description below.
RARE SOUTH GULF COVE WATERFRONT OPPORTUNITY — OVER 1/2 ACRE • APPROX. 178 FT OF WATERFRONT • SAILBOAT WATER • NO FIXED BRIDGES • PRESERVE VIEWS! This is not your typical canal-front home. Situated on an oversized 0.51-acre tip lot, this 3-bedroom, 2-bath pool home offers a hard-to-find combination of WATERFRONT, LAND, BOATING ACCESS AND PRIVACY. Boaters will appreciate approximately 178 feet of waterfront, SAILBOAT WATER, NO FIXED BRIDGES and a motorized boat lift with lift motors replaced in July 2026. Navigate South Gulf Cove’s canal system toward Charlotte Harbor and the Gulf while keeping your boat right in your own backyard. Just as impressive is the setting. Peaceful preserve land sits across the canal, providing the added privacy of NO HOMES DIRECTLY ACROSS THE WATER and creating an open, quiet waterfront view. Outdoor living takes center stage with a screened lanai overlooking the canal, saltwater pool heated by OWNED SOLAR PANELS, separate hot tub and outdoor kitchen. Mature tropical landscaping includes fruit-bearing banana, mango and coconut trees. Inside, 1,929 square feet offers a split-bedroom floor plan, vaulted ceilings, walk-in closets and an oversized primary suite. Major improvements include a 2022 roof with 130-MPH wind-rated shingles, impact windows and doors (2024), accordion hurricane protection enclosing the lanai, HVAC (2020), water heater (2024), fresh exterior paint and a variable-speed pool pump installed July 2026. Most furniture and select furnishings will convey with the sale of the home, including the XL flat-screen TV in the living room. Whether you’re searching for a full-time waterfront residence or seasonal Florida retreat, opportunities combining OVER 1/2 ACRE, approximately 178 feet of waterfront, no fixed bridges and preserve views are difficult to replicate. If you’ve been waiting for a South Gulf Cove home with ROOM TO BREATHE, SERIOUS BOATING ACCESS AND WATERFRONT PRIVACY, this is one you’ll want to see in person.
Facts
- Property type
- Single Family Residence
- Year built
- 1997
- Bathrooms
- 2 full
- Living area
- 1,929 sqft
- Lot size
- 0.51 acres
- Waterfront
- Yes · 172 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- North
- Furnished
- Furnished
- Flood zone
- 8AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $6,606/yr
- Monthly fees
- $10/mo
- Listed
- Jul 24, 2026
- MLS #
- W7887978
Price & status history
- Listed for $699,900
- Price reduced to $684,999
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 10535 AZTEC RD. 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 — 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 — 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 — your down payment is 20% or more.
Estimated total monthly payment
$4,595
$3,464 of that is principal & interest. 25% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $3,464
- Property taxes
- $551
- Homeowners insurance
- $571
- Flood insurance
- $0
- HOA / condo fees
- $10
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,595
Over the life of the loan
- Loan amount
- $547,999
- Down payment
- $137,000
- Total interest
- $698,943
- Principal + interest paid
- $1,246,942
- 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 — 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
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10535 Aztec Rd, Port Charlotte, FL 33981
Listing courtesy of FINEHIRSH REALTY POWERED BY SELLSTATE · MLS# W7887978 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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