$25,000
Active4481 Spire St, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of CENTURY 21 SUNBELT REALTY · MLS# D6144362
372 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- vacant lot
- custom home opportunity
- pool potential
- Gulf Cove Community
- near beaches
- golf course access
- voluntary POA fees
AI-selected highlights from the listing description below.
Build your dream home on this spacious vacant lot at 4481 Spire St in the Gulf Cove Community. This parcel offers ample space for a custom home, pool, and outdoor living, all within a peaceful, residential neighborhood. Located just minutes from shopping, dining, and local amenities, this lot provides a perfect opportunity for anyone looking to build in one of Florida’s most sought-after areas. The lot is situated on a quiet street, offering privacy while still being close to main roads for easy access to nearby attractions and beaches. This property is in a well-established neighborhood with voluntary POA fees, allowing flexibility in your plans for development and design. There is also the potential to add a pool or garden, creating a private retreat for relaxation or entertainment. Located in Charlotte County, you’ll enjoy access to golf courses, parks, and beautiful Gulf Coast beaches, just a short drive away. Whether you’re looking to create your primary residence, a vacation home, or an investment property, this lot offers endless possibilities. Don’t miss your chance to secure a large, prime lot in this growing community. 4481 Spire St provides a rare opportunity to own a piece of land in one of Florida’s most desirable areas, with a central location perfect for enjoying the Florida lifestyle.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Water access
- Gulf/Ocean, Gulf/Ocean to Bay, River
- Exposure
- East
- Flood zone
- AE
- Annual taxes
- $443/yr
- Listed
- Oct 21, 2025
- MLS #
- D6144362
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4481 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
$363
$126 of that is principal & interest. 65% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $126
- Property taxes
- $37
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $363
Over the life of the loan
- Loan amount
- $20,000
- Down payment
- $5,000
- Total interest
- $25,509
- Principal + interest paid
- $45,509
- 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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4481 Spire St, Port Charlotte, FL 33981
Listing courtesy of CENTURY 21 SUNBELT REALTY · MLS# D6144362 · 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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