$517,900
Active12403 Minot Ave, Port Charlotte, FL 33981
3 beds · 2 baths · 1,899 sq ft
Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# D6148437
62 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Move In Ready Waterfront Home — Just Four Lots From the Myakka River! This beautifully cleaned and newly refreshed 3 bedroom, 2 bath, 2 car garage waterfront pool home in Gulf Cove is ready for immediate enjoyment. Now fully empty, spotless, and easy to show, the property offers exceptional direct access to the Myakka River, Charlotte Harbor, and the Gulf of Mexico—only four lots from the river, making boating days fast, simple, and unforgettable. Set along a solid concrete seawall, the backyard delivers peaceful water views and an ideal setting for fishing, kayaking, or watching wildlife glide by. Inside, the home features a comfortable split floor plan with both a living/dining area and a separate family room, giving you flexible spaces for everyday living and entertaining. All three bedrooms include walk in closets, providing excellent storage. The second bath doubles as a pool bath, keeping outdoor living effortless. Step outside to your private oasis: a screened in pool, expansive covered lanai, and generous space for lounging, dining, and enjoying the Florida sunshine. Whether you’re hosting friends or savoring quiet mornings by the water, this home delivers the easy, breezy coastal lifestyle Gulf Cove is known for.
Facts
- Property type
- Single Family Residence
- Year built
- 1987
- Bathrooms
- 2 full
- Living area
- 1,899 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Gulf/Ocean to Bay
- Water view
- Yes
- Private pool
- Yes
- Exposure
- North
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,835/yr
- Listed
- Aug 13, 2026
- MLS #
- D6148437
Price & status history
- Listed for $525,000
- Price reduced to $517,900
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 12403 MINOT AVE. 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
$3,370
$2,619 of that is principal & interest. 22% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,619
- Property taxes
- $320
- Homeowners insurance
- $432
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,370
Over the life of the loan
- Loan amount
- $414,320
- Down payment
- $103,580
- Total interest
- $528,442
- Principal + interest paid
- $942,762
- 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.
12403 Minot Ave, Port Charlotte, FL 33981
Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# D6148437 · 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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