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$599,900

Active

5105 Ackley Ter, Port Charlotte, FL 33981

3 beds Β· 2 baths Β· 1,532 sq ft

Listing courtesy of RE/MAX ALLIANCE GROUP Β· MLS# D6148160

94 days on market

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

About this home

What’s special

  • Two lots
  • Sailboat water access
  • Direct Myakka River access
  • Rescreened and caged lanai
  • 50-amp RV hookup

AI-selected highlights from the listing description below.

Virtually Staged. Waterfront Gulf Cove Pool Home on Two Lots with a Detached Two-Bay Garage and Workshop, Sailboat Water, and Direct Myakka River Access and the Gulf Beyond! This unique property includes the home on one lot and a detached garage with workshop on the adjoining lot, providing plenty of space for boats, RVs, vehicles, storage, or hobbies. Located on a sailboat canal with no fixed bridges, you'll enjoy direct access to the Myakka River, Charlotte Harbor, and the Gulf of Mexico. Mature landscaping, a concrete and partially paver driveway, rain gutters, and an attached two-car garage welcome you home. Inside, the open floor plan features vaulted ceilings, tile flooring throughout, a living room, and a separate family room with built-in shelving, a dry bar, and sliding glass doors to the lanai. The remodeled kitchen features white soft-close cabinetry, stone countertops, a breakfast bar, additional contrasting cabinetry, and a pass-through window to the lanai. The dining area also opens to the lanai through sliding glass doors. The primary bedroom offers direct access to the lanai, a walk-in closet, and an updated bathroom with a walk-in shower, while two guest bedrooms share a guest bathroom with a tub/shower combination and skylight. An interior laundry room includes built-in shelving and a utility sink. The covered and newly rescreened and caged lanai overlooks the resurfaced pool, tropical landscaping, and canal. A composite dock provides direct boating access and is modifiable to accommodate a future boat lift for the ultimate in waterfront living. An outdoor shower adds convenience after a day on the water. Additional features include the detached 2021 garage and workshop with an 18'x30' garage bay, a 12'x21' garage bay, and a separate 26'x18' workshop, providing exceptional flexibility for boats, RVs, vehicles, storage, or projects. Additional improvements include a 2020 roof on the home, 2024 HVAC system, an upgraded electrical panel with a 50-amp RV hookup, hurricane shutters, a reinforced garage door, and R-30 insulation. Located at 5105 Ackley Terrace in the waterfront community of Gulf Cove, residents enjoy access to a voluntary community boat ramp and park while being just minutes from Englewood's restaurants, shopping, golf courses, and medical facilities. Beautiful Gulf beaches on Manasota Key and Boca Grande are just a short drive away, offering boating, fishing, shelling, paddleboarding, waterfront dining, and spectacular Southwest Florida sunsets.

Facts

Property type
Single Family Residence
Year built
1988
Bathrooms
2 full
Living area
1,532 sqft
Lot size
0.46 acres
Waterfront
Yes Β· 35 ft
Water access
Bay/Harbor, Brackish Water, Canal - Brackish, Gulf/Ocean, Intracoastal Waterway, River
Water view
Yes
Private pool
Yes
Exposure
Southeast
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$7,935/yr
Listed
Jul 22, 2026
MLS #
D6148160

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Estimate the monthly payment

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

Starting figures for 5105 ACKLEY TER. 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

$4,195

$3,033 of that is principal & interest. 28% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$3,033
Property taxes
$661
Homeowners insurance
$500
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$4,195

Over the life of the loan

Loan amount
$479,920
Down payment
$119,980
Total interest
$612,112
Principal + interest paid
$1,092,032
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.

5105 Ackley Ter, Port Charlotte, FL 33981

Listing courtesy of RE/MAX ALLIANCE GROUP Β· MLS# D6148160 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, 8:57 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]