$990,000
Active2380 Vance Ter, Port Charlotte, FL 33981
4 beds · 3.5 baths · 2,466 sq ft
Listing courtesy of TALL PINES REALTY · MLS# D6148138
92 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- River and canal frontage
- Direct Myakka River access
- Boat storage garage
- Prep kitchen in garage
- Screened second-story balcony
- Built-in dry bar
- Electric fireplace
- Metal roof (2024)
AI-selected highlights from the listing description below.
Welcome to this exceptional waterfront residence in desirable Gulf Cove, offering breathtaking views, boating access, and the ideal Florida lifestyle. Situated on an expansive waterfront lot with river and canal frontage, this home provides direct access to the Myakka River and surrounding waterways, making it a perfect opportunity for boating enthusiasts. This spacious home features an open living and dining area with comfortable bedrooms and inviting indoor and outdoor spaces designed for enjoying the Florida climate. The gourmet kitchen is designed for both everyday living and entertaining, showcasing granite countertops, a stylish full-height backsplash, an industrial gas oven with a gas cooktop, refrigerator, dishwasher, water filtration system, garbage disposal, and a range hood. Adding even more functionality, the oversized garage features soaring ceilings with ample clearance for boat storage, a fully equipped prep kitchen complete with its own stove and dishwasher, and a second garage door providing convenient access to the canal side—ideal for entertaining, meal preparation, boating gear, or waterfront activities. The bathrooms feature full tile finishes, adding a clean and elegant touch throughout the home. The living area also includes a built-in dry bar, perfect for entertaining guests or creating a dedicated beverage and serving area. An elegant electric fireplace with a granite-wrapped surround serves as a beautiful focal point in the living space. Additional features include tile flooring, a tankless water heater, a dedicated laundry room with washer and dryer, a screened second-story balcony overlooking the water, a new metal roof installed in 2024, a 10-camera security system, and thoughtful design elements throughout that enhance both comfort and functionality. Enjoy the convenience of Gulf Cove's optional community amenities, including access to the private community boat ramp, waterfront park, and recreational areas through the voluntary property owners association. The boat ramp provides convenient access to the Myakka River and Charlotte Harbor waterways, making it easy to enjoy boating, fishing, and Southwest Florida's coastal lifestyle. The home offers convenient access to shopping, dining, golf, beaches, and other local attractions. Whether you are looking for a full-time residence, seasonal retreat, or waterfront investment opportunity, this property offers the space, location, luxury features, and waterfront lifestyle that make Southwest Florida living so desirable.
Facts
- Property type
- Single Family Residence
- Year built
- 1993
- Bathrooms
- 3 full, 1 half
- Living area
- 2,466 sqft
- Lot size
- 0.71 acres
- Waterfront
- Yes · 330 ft
- Water access
- Canal - Brackish
- Water view
- Yes
- Private pool
- No
- Exposure
- West
- Furnished
- Unfurnished
- Flood zone
- AE,VE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $10,258/yr
- Listed
- Jul 24, 2026
- MLS #
- D6148138
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 2380 VANCE TER. 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
$6,686
$5,006 of that is principal & interest. 25% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $5,006
- Property taxes
- $855
- Homeowners insurance
- $825
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $6,686
Over the life of the loan
- Loan amount
- $792,000
- Down payment
- $198,000
- Total interest
- $1,010,152
- Principal + interest paid
- $1,802,152
- 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.
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2380 Vance Ter, Port Charlotte, FL 33981
Listing courtesy of TALL PINES REALTY · MLS# D6148138 · 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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