$1,785,000
Active4245 Spire St, Port Charlotte, FL 33981
6 beds · 4 baths · 4,777 sq ft
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · MLS# GC544122
16 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
TARPON SEASON STARTS AT YOUR OWN DOCK! This 6-bed, 4-bath Gulf Cove pool home sits on a quiet, private street along an extra-wide canal with direct access to the Myakka River, Charlotte Harbor, the Intracoastal, and the Gulf. It is minutes by boat to Boca Grande’s world-famous tarpon fishing and the Boca Sand Bar, and about 20 minutes by boat to Fisherman’s Village in Punta Gorda. BUILT FOR BOATERS: 75 ft of frontage, a concrete seawall, a private dock with 120V/220V shore power and fresh water, and a 20,000-lb boat lift under a 40-ft covered canopy. BUILT TO LAST: Full block construction, metal roof, 15kW generator, 500-gal propane tank, and 4,777 sq ft of high and dry cooled living space. Freshly painted inside and out. NO HOA. TWO COMPLETE LIVING LEVELS: Each level has its own kitchen, living space, and fireplace, ideal for guests, extended family, or multigenerational living. UPPER VIP LEVEL: The chef’s kitchen features Wolf appliances, a gas-cooktop island under a custom wood range hood, double wall ovens, a new custom fridge, solid wood cabinets with four floor-to-ceiling pantry pullouts, and granite counters. This level also offers a family room, dining room, large dinette, and water-view office. The luxury master suite has two walk-in closets and a spa-style bath with dual sinks, a soaking tub, and a walk-in dual shower. Two more bedrooms share a Jack-and-Jill bath. Front and rear balconies offer water and sunset views. GROUND LEVEL: A second full kitchen, a living room with a fireplace, a flex space, and 3 bedrooms with walk-in closets. The ground-level master’s adjoining bath opens to the pool lanai for easy entertaining. OUTDOORS: The screened lanai surrounds a heated saltwater pool and in-ground heated spa with water views, plus an outdoor shower. EXTRAS: New water heater, new Jandy pool pump, iAqualink 3.0, Sonos audio, security cameras, central vacuum, crown molding, high ceilings, irrigation, and low-maintenance landscaping. Oversized 2.75-car garage with home gym. Offered partially furnished. Community boat ramp, park, and fishing areas. A new park in the preserve across from the home is expected to open in Dec 2026, with trails, a beach, a fishing pier, and boat docks. The new pier and beach are about a one-mile walk away. Zoned for Myakka River Elem, L.A. Ainger Middle, and Lemon Bay High. Schedule your private showing today!
Facts
- Property type
- Single Family Residence
- Year built
- 2008
- Bathrooms
- 4 full
- Living area
- 4,777 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes · 75 ft
- Water access
- Bay/Harbor, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- East
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $12,754/yr
- Listed
- Oct 12, 2026
- MLS #
- GC544122
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4245 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
$11,576
$9,026 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
- $9,026
- Property taxes
- $1,063
- Homeowners insurance
- $1,488
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $11,576
Over the life of the loan
- Loan amount
- $1,428,000
- Down payment
- $357,000
- Total interest
- $1,821,335
- Principal + interest paid
- $3,249,335
- 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.
4245 Spire St, Port Charlotte, FL 33981
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · MLS# GC544122 · 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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