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$899,000

Active

4219 Spire St, Port Charlotte, FL 33981

3 beds Β· 3 baths Β· 3,371 sq ft

Listing courtesy of RE/MAX ALLIANCE GROUP Β· MLS# D6148324

78 days on market

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

About this home

What’s special

  • waterfront views
  • sailboat access
  • 47-foot dockage
  • 46-foot tandem garage
  • screened covered balcony
  • wood-burning fireplace
  • metal roof
  • hurricane panels

AI-selected highlights from the listing description below.

Virtually Staged. Waterfront Views, Sailboat Access and Garage Space You Rarely Find Together! This Three Bedroom, Three Bathroom Home Offers Nearly 47 Feet of Dockage and an Approximately 46-Foot Tandem Garage Bay! Located on a quiet dead-end street in Gulf Cove, this home offers RV/boat parking and multiple indoor and outdoor areas overlooking the water. Quality craftsmanship can be seen inside and out, beginning with a metal roof, Hardie Board siding on the upper level, concrete block construction below, hurricane panels for the windows, impact-rated garage doors, irrigation, gutters, exterior lighting, an outdoor shower, and an extended concrete driveway. The home features separate HVAC systems for each level, with the upstairs system replaced in 2022 and the downstairs system recently replaced in 2026. Step inside where detailed woodwork, substantial trim around the windows and doorways, solid-core doors, unique doorknobs and hardware, and a beautifully crafted wood staircase and railings give the home a character all its own. Head upstairs where the main living area opens beneath vaulted ceilings and features a wood-burning fireplace and large sliding glass doors framing the canal beyond. Those sliders lead to the 37-foot screened and covered balcony finished with Ipe wood, creating plenty of room for outdoor dining, relaxing, and enjoying the waterfront views. The kitchen features wood cabinetry, extensive Corian counter space, a center island, breakfast bar, walk-in pantry, built-in desk, and a dumbwaiter. The dining area has its own set of sliding glass doors leading to the balcony, bringing the water views right to the table. The primary suite features vaulted ceilings, a built-in window bench with storage, two walk-in closets, and an ensuite bathroom with dual sinks, a tiled walk-in shower with built-in bench, multiple showerheads, and skylight. One guest bedroom includes a walk-in closet and sliders to the balcony, while the third bedroom offers a vaulted ceiling and large closet. The guest bathroom includes a tub/shower combination with a built-in bench, and skylight. Downstairs, tile flooring runs throughout a large second living area where wide sliders open directly to the covered patio, backyard, and canal. This level also includes a third full bathroom and a large interior laundry/utility room with a sink and dumbwaiter. The garage setup is one you don't find every day. A separate single-car bay is joined by an approximately 46-foot-deep tandem garage, additional storage area, utility sink, finished floors, and room for vehicles, and a workshop. Outside, the backyard provides an open view across the canal while the concrete seawall and approximately 47-foot composite dock, added in 2019 and equipped with water and electric, put your boat right outside your door. Sailboat canal access leads to the Myakka River and onward to Charlotte Harbor and the Gulf, giving you endless opportunities to explore Southwest Florida by water. Gulf Cove also offers a voluntary HOA with a low annual fee that provides access to the community boat ramp, while area beaches, golf courses, shopping, restaurants, and everyday conveniences are all within easy reach. Whether your perfect day means heading out on the boat, enjoying an evening overlooking the canal, or simply having the space for everything you enjoy, the waterfront lifestyle is waiting for you at 4219 Spire Street.

Facts

Property type
Single Family Residence
Year built
2004
Bathrooms
3 full
Living area
3,371 sqft
Lot size
0.23 acres
Waterfront
Yes Β· 80 ft
Water access
Bay/Harbor, Canal - Saltwater, Gulf/Ocean to Bay, Intracoastal Waterway, River
Water view
Yes
Private pool
No
Exposure
East
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$6,644/yr
Listed
Aug 3, 2026
MLS #
D6148324

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 4219 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 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.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied β€” your down payment is 20% or more.

Estimated total monthly payment

$5,849

$4,546 of that is principal & interest. 22% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$4,546
Property taxes
$554
Homeowners insurance
$749
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$5,849

Over the life of the loan

Loan amount
$719,200
Down payment
$179,800
Total interest
$917,300
Principal + interest paid
$1,636,500
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

Pick a day that suits you β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

4219 Spire St, Port Charlotte, FL 33981

Listing courtesy of RE/MAX ALLIANCE GROUP Β· MLS# D6148324 Β· Active

How would you like to see it?
Which day?
What time of day?

In person Β· Thu, Oct 29 Β· Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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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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, 9:16 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. Β· [email protected]