$32,000
Active4635 Spire St, Port Charlotte, FL 33981
0.39 acre lot
Listing courtesy of EXP REALTY LLC · MLS# A4659761
462 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- corner lot
- not in flood zone
- private waterfront park
- fishing pier
- private boat ramp
- Myakka River access
- Charlotte Harbor access
AI-selected highlights from the listing description below.
Welcome to Gulf Cove, the neighborhood you have been dream of to build your Florida Home! Boasting a large Corner Lot just under 1/2 acre and NOT in a flood zone! Welcome to Gulf Cove – A True Sportsman's Paradise! Gulf Cove is a highly desirable community offering freedom from deed restrictions (OPTIONAL HOA $75 YEAR TO HAVE BOAT RAMP ACCESS AND $75 YR FOR OPTIONAL MEMBERSHIP) and access to an incredible private waterfront park. Enjoy amenities such as a playground, fishing pier, and a private boat ramp providing quick, direct access to the Myakka River and Charlotte Harbor—perfect for boaters and anglers alike. This prime location is ideal for both full-time residents and seasonal visitors: Less than 17 miles to I-75, making for an easy commute to nearby cities. Just 10 miles to Chadwick Park at Englewood Beach, where you’ll experience stunning sunsets. Only 6 miles to South Englewood, filled with shopping and dining options. Minutes to Tampa Bay Rays spring training and the fairgrounds. Close to multiple golf courses and some of the best boating and fishing in all of Florida. Red Sox, Orioles, Twins, and Braves spring training facilities are all within an hour’s drive. Gulf Cove combines the laid-back Florida lifestyle with proximity to exciting attractions and outdoor adventures. Note: Buyer and buyer's representative are responsible for verifying environmental conditions and any endangered species restrictions.
Facts
- Property type
- Land
- Lot size
- 0.39 acres
- Flood zone
- X
- Annual taxes
- $542/yr
- Monthly fees
- $13/mo
- Listed
- Jul 22, 2025
- MLS #
- A4659761
Price & status history
- Listed for $35,000
- Price reduced to $32,000from $34,000
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4635 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$420
$162 of that is principal & interest. 61% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $162
- Property taxes
- $45
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $13
- Mortgage insurance (PMI)
- $0
- Total per month
- $420
Over the life of the loan
- Loan amount
- $25,600
- Down payment
- $6,400
- Total interest
- $32,651
- Principal + interest paid
- $58,251
- 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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4635 Spire St, Port Charlotte, FL 33981
Listing courtesy of EXP REALTY LLC · MLS# A4659761 · 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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