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$650,000

Active

12420 Minot Ave, Port Charlotte, FL 33981

3 beds · 2 baths · 2,274 sq ft

Listing courtesy of MARINA PARK REALTY LLC · MLS# C7508635

561 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

What’s special

  • open water access
  • existing rental tenants
  • no deed restrictions
  • pool home
  • 84 feet seawall
  • screened lanai
  • pocket slider doors
  • marble tile primary bath

AI-selected highlights from the listing description below.

Welcome to your piece of Florida paradise! Located in the highly sought-after community of Gulf Cove. This property is a boater's dream! Open water access in a matter of minutes and with TENANTS already in place, this property offers immediate rental income potential. The home is centrally located near dining, shopping, and entertainment while also granting short access by boat or car to nearby beaches. Plus, no deed restrictions! This beautifully updated 3-bedroom, 2-bath pool home offers 2,275 square feet of luxury living with an open, airy layout and top-tier finishes throughout. From the moment you step inside, you’ll notice the sleek, staggered modern tile flooring that flows seamlessly through the home. The chef’s kitchen is truly a focal point, featuring soft-close cabinetry, granite countertops with an under-mount sink, breakfast bar, matching tile backsplash, and top-of-the-line built-in Whirlpool and Frigidaire stainless steel appliances—all designed to inspire both everyday meals and elegant entertaining. The kitchen is open to the Family Room on one side and the Living/Dining room on the other. Natural light fills the home through eight sliding glass doors, including four pocket sliders that create a seamless transition to the outdoors. Each bedroom offers generous space and walk-in closets, while the primary suite stands out with marble tile floors, dual vanities, a custom euro-glass shower, and spacious his-and-hers walk-in closets. Recent upgrades completed in 2019 and 2020 include a new roof, A/C system, updated electrical panel, all new interior doors and flooring, custom kitchen and bathroom cabinetry, granite countertops throughout, fresh baseboard trim, updated lighting, ceiling fans, faucets, and hardware. No detail was overlooked in bringing this home to life. The private pool area features a wet pebble edge finish, a resurfaced crushed quartz deck, and a screened lanai with a convenient pool bath. Step outside to a generous patio area, perfect for outdoor dining or relaxing in the Florida sunshine. With 84 feet of concrete seawall, there’s ample space to install your own dock and boat lift. Enjoy direct access to Charlotte Harbor—you're just minutes away from open water adventures! This location is as convenient as it is beautiful, with five regional airports within an hour’s drive—ideal for travel or hosting guests. Whether you're enjoying a quiet sunrise, a lively sunset gathering, or anything in between, this waterfront home offers the very best of Florida living.

Facts

Property type
Single Family Residence
Year built
1985
Bathrooms
2 full
Living area
2,274 sqft
Lot size
0.24 acres
Waterfront
Yes · 84 ft
Water access
Bay/Harbor, Canal - Brackish, Canal - Freshwater, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, River
Water view
Yes
Private pool
Yes
Exposure
South
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$9,991/yr
Listed
Apr 15, 2025
MLS #
C7508635

Price & status history

  1. Listed for $700,000
  2. Price reduced to $650,000from $690,000

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 12420 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

$4,661

$3,287 of that is principal & interest. 29% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$3,287
Property taxes
$833
Homeowners insurance
$542
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$4,661

Over the life of the loan

Loan amount
$520,000
Down payment
$130,000
Total interest
$663,231
Principal + interest paid
$1,183,231
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.

12420 Minot Ave, Port Charlotte, FL 33981

Listing courtesy of MARINA PARK REALTY LLC · MLS# C7508635 · 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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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, 9:51 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]