$649,900
Active10640 Ayear Rd, Port Charlotte, FL 33981
3 beds Β· 3 baths Β· 1,806 sq ft
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY Β· MLS# D6141477
582 days on market
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Whatβs special
- unobstructed canal views
- sailboat waters
- cathedral ceiling
- heated pool
- screened lanai
- dual boat lifts
- two-tiered dock
- his-and-her walk-in closets
AI-selected highlights from the listing description below.
This waterfront home offers breathtaking, unobstructed views across the serene Santa Cruz Canal to a designated preserve area, ensuring privacy and tranquility. Abutting sailboat waters, this property provides the ideal setting for waterfront living. Upon arriving, youβre greeted by a pristine white vinyl fence that runs from the front down both sides of the home, leading to the spacious lanai. Step through double doors into a tiled entryway, where natural light pours in through the transom above, illuminating the soaring cathedral ceiling. The expansive open floor plan flows seamlessly between the kitchen, dinette, and great room, creating an inviting and airy space perfect for both everyday living and entertaining. The kitchen-dinette combo features rectangular tile floors, a convenient pantry, breakfast bar, and all essential appliances. The adjacent great room is carpeted and opens up through sliders, inviting in fresh air and sunlight, enhancing the light, bright ambiance of the home. For privacy, two guest bedrooms are tucked away behind a pocket door, creating a quiet retreat. One of these rooms boasts an ensuite bath with a shower stall, single vanity, and serves as the pool bath with convenient access from the lanai. The second guest bath, located in the hallway, features a single vanity and a combo tub/shower unit. The spacious primary bedroom, located on the opposite side of the home, is a private sanctuary with two sets of sliders leading directly to the lanai and pool area. The suite also offers his-and-her walk-in closets and an ensuite bath with a double vanity, separate tub, and shower, all accented with wall to wall carpet. Step outside to discover your own private oasisβan oversized heated pool (approximately 36' x 12') with a cool deck that promises comfort underfoot. The lanai (22' x 11') and pool area are screened, ensuring peaceful enjoyment of the beautiful views and refreshing breezes. At water's edge, a two-tiered dock (26' x 6') with dual boat lifts (40K lbs & 6K lbs) awaits your watercraft, making this home a true boater's dream. The canal waters also flow through the propertyβs sprinkler system, keeping your landscaping lush and vibrant year-round. Recent upgrades include a new pool pump, irrigation pump, and water heater all replaced in 2025, and a new roof installed in 2022. With several airports in southwest Florida nearby, as well as a wealth of dining, hiking and biking trails, and Gulf Coast beaches, this location provides both convenience and recreation. The area is renowned for world-class tarpon fishing and abundant outdoor activities. This is a great opportunity to own a waterfront property that blends comfort and privacy with nature's beauty. Bring your vision to life and start living the waterfront lifestyle you deserve.
Facts
- Property type
- Single Family Residence
- Year built
- 1999
- Bathrooms
- 3 full
- Living area
- 1,806 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes Β· 80 ft
- Water access
- Bay/Harbor, Brackish Water, Canal - Brackish, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, Lagoon, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- North
- Flood zone
- 8AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $7,024/yr
- Monthly fees
- $10/mo
- Listed
- Mar 21, 2025
- MLS #
- D6141477
Price & status history
- Listed for $750,000
- Price reduced to $649,900from $699,000
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 10640 AYEAR 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 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
$4,423
$3,286 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
- $3,286
- Property taxes
- $585
- Homeowners insurance
- $542
- Flood insurance
- $0
- HOA / condo fees
- $10
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,423
Over the life of the loan
- Loan amount
- $519,920
- Down payment
- $129,980
- Total interest
- $663,129
- Principal + interest paid
- $1,183,049
- 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
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10640 Ayear Rd, Port Charlotte, FL 33981
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY Β· MLS# D6141477 Β· Active
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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