$35,000
Active10628 Washington Rd, Port Charlotte, FL 33981
0.32 acre lot
Listing courtesy of JOHN R. WOOD PROPERTIES · MLS# C7530150
59 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Discover the rare opportunity to build a custom luxury residence in the coveted boating community of South Gulf Cove. This distinctive 1/3-acre triangular homesite offers an impressive extra-wide backyard, creating the perfect canvas for a resort-style pool, lush tropical landscaping, and an outdoor living experience worthy of a Gulf Coast estate. Positioned approximately 7 ft+ in an AE-8 Flood Zone, the property provides elevated peace of mind and design flexibility. With all utilities already in place and no scrub-jay permit requirements, your building process becomes smoother, faster, and more cost-efficient. South Gulf Cove is known for its serene canals, upscale ambiance, and boating lifestyle. This interior (dry) lot allows you to park your boat or trailer right on your property, while the community boat ramp just minutes away opens access to miles of navigable waterways, the Myakka and Peace Rivers, Gasparilla Sound, and the Gulf of Mexico. Whether you’re cruising to waterfront restaurants, exploring hidden lagoons, or heading out for world-class fishing, your next adventure begins right down the street. Located 7 miles from the Boca Grande Causeway, you’ll enjoy quick access to the island’s pristine beaches, luxury marinas, golf courses, and charming coastal dining. Within 15 miles, experience Englewood Beach, vibrant waterfront restaurants with live music, the boutique charm of Dearborn Street, and the full retail convenience of Port Charlotte. This deed-restricted neighborhood maintains a refined, well-kept aesthetic—without limiting your lifestyle. No pet restrictions. No parking restrictions. No leasing restrictions. Just the freedom to create your own private paradise in a community designed for beauty and enjoyment. A premier homesite for those seeking a luxury coastal retreat, a family sanctuary, or a dream retirement escape in one of Southwest Florida’s most desirable boating communities.
Facts
- Property type
- Land
- Lot size
- 0.32 acres
- Exposure
- South
- Flood zone
- AE
- Annual taxes
- $646/yr
- Monthly fees
- $10/mo
- Listed
- Aug 30, 2026
- MLS #
- C7530150
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 10628 WASHINGTON 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
$441
$177 of that is principal & interest. 60% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $177
- Property taxes
- $54
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $10
- Mortgage insurance (PMI)
- $0
- Total per month
- $441
Over the life of the loan
- Loan amount
- $28,000
- Down payment
- $7,000
- Total interest
- $35,712
- Principal + interest paid
- $63,712
- 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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10628 Washington Rd, Port Charlotte, FL 33981
Listing courtesy of JOHN R. WOOD PROPERTIES · MLS# C7530150 · 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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