$595,000
Active4195 Spire St, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of BEYCOME OF FLORIDA LLC · MLS# O6258547
709 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- open water views
- riverfront community
- direct boating access
- deep-water canal
- peninsula lot
- Gulf access
AI-selected highlights from the listing description below.
PENINSULA LOT WITH OPEN WATER VIEWS IN GULF COVE, A RIVER FRONT COMMUNITY. Gulf Cove is a family friendly community located in Charlotte County, Florida on the banks of the scenic Myakka River with direct boating access to Charlotte Harbor and the Gulf of Mexico. Build your dream home on this hard-to-find lot. Enjoy spectacular water views and launch your boat from your deep-water canal. Close to Englewood Beach, shopping minutes away and the Tarpon fishing capital of the world "Boca Grande" is around the corner from your dock!
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Waterfront
- Yes
- Water access
- Canal - Saltwater
- Water view
- Yes
- Flood zone
- AE
- Annual taxes
- $2,128/yr
- Listed
- Nov 18, 2024
- MLS #
- O6258547
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4195 SPIRE ST. 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
$3,682
$3,009 of that is principal & interest. 18% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $3,009
- Property taxes
- $177
- Homeowners insurance
- $496
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,682
Over the life of the loan
- Loan amount
- $476,000
- Down payment
- $119,000
- Total interest
- $607,112
- Principal + interest paid
- $1,083,112
- 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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4195 Spire St, Port Charlotte, FL 33981
Listing courtesy of BEYCOME OF FLORIDA LLC · MLS# O6258547 · 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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