$534,900
Active10542 Alpaca Cir, Port Charlotte, FL 33981
3 beds · 2 baths · 2,000 sq ft
Listing courtesy of RE/MAX PALM REALTY · MLS# C7532963
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Discover waterfront Florida living with NO BRIDGES in this 3-bedroom, 2-bath pool home, built in 2003 and offering approximately 2,000 square feet of living space. Offered turnkey furnished, this property is ready for you to settle in and enjoy the Southwest Florida lifestyle. Boating enthusiasts will appreciate the 10,000-pound boat lift and 30-foot dock featuring brand-new reclaimed-wood decking. Spend the day out on the water, then return to your own private outdoor tropical retreat. The outdoor living space is made for entertaining and relaxing, featuring an impressive 25-by-32-foot thatched tiki hut. The oversized swimming pool with a newer pool heater, and updates to the pool deck and equipment in 2023. Attractive brick pavers complete the outdoor setting with no pool cage for no unobstructed views and a 4-foot fence, this space offers an open-air feel. Seller just added approx. $10,000 worth of new landscaping and sod. Inside, you'll find luxury plank vinyl flooring and hardwood floors, along with a gas stove for cooking enthusiasts. Impact windows and an impact sliding door add another desirable feature to the home. The spacious 13-by-20-foot primary suite offers a comfortable personal retreat, with a garden tub and updated glass shower door. The practical laundry room includes an ironing board, pantry storage, and a stackable washer and dryer. Whether you're looking for a full-time waterfront residence or a furnished Florida getaway, this South Gulf Cove home combines boating access, generous outdoor entertaining space, and move-in-ready convenience.
Facts
- Property type
- Single Family Residence
- Year built
- 2003
- Bathrooms
- 2 full
- Living area
- 2,000 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- West
- Furnished
- Furnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,307/yr
- Listed
- Nov 4, 2026
- MLS #
- C7532963
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 10542 ALPACA CIR. 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.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$3,509
$2,705 of that is principal & interest. 23% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,705
- Property taxes
- $359
- Homeowners insurance
- $446
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,509
Over the life of the loan
- Loan amount
- $427,920
- Down payment
- $106,980
- Total interest
- $545,788
- Principal + interest paid
- $973,708
- 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.
10542 Alpaca Cir, Port Charlotte, FL 33981
Listing courtesy of RE/MAX PALM REALTY · MLS# C7532963 · 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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