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$684,999

Active

10535 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

  1. Listed for $699,900
  2. Price reduced to $684,999

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 — not a loan offer

Starting 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

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

10535 Aztec Rd, Port Charlotte, FL 33981

Listing courtesy of FINEHIRSH REALTY POWERED BY SELLSTATE · MLS# W7887978 · Active

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

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

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

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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Similar homes

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, 8:57 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. · [email protected]