$200,000
Active Under Contract6195 la Porte Ter, Port Charlotte, FL 33981
3 beds · 2 baths · 1,148 sq ft
Listing courtesy of FINE PROPERTIES · MLS# A4700919
92 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- hurricane impact windows
- tile flooring, no carpet
- screened areas
- heated community pool
- boat ramp access
- corner lot
- recreation center
AI-selected highlights from the listing description below.
Under contract-accepting backup offers. Welcome to 6195 La Porte Terrace — a charming three-bedroom, two-bath home tucked on a corner lot in the amenity-rich Gardens of Gulf Cove. Well-maintained and move-in ready, it has big-ticket items already handled: a roof just four years old, hurricane impact windows, and brand-new tile flooring in the bedrooms with NO CARPET anywhere. Plus, the seller is offering a $7,000 credit at closing toward a new HVAC unit. Two separate screened areas give you carefree spots to enjoy the Florida weather, and the generous corner lot leaves plenty of room to add a pool. The lifestyle here is the real draw. For just a modest HOA fee, Gardens of Gulf Cove offers two community pools — including a heated pool with a spacious sundeck — plus a recreation center with exercise equipment, billiards, ping pong, air hockey, and a library with free Wi-Fi. Outside, you'll find tennis and pickleball courts, shuffleboard, bocce, and horseshoes. Boaters and beach lovers, take note: you're minutes from boat ramps and marinas with access to the Myakka River, Charlotte Harbor, and out to the Gulf. The sugar-sand beaches of Englewood and Manasota Key are about twenty minutes away, with Boca Grande's legendary tarpon waters just beyond. Golf, waterfront dining, and Dearborn Street's shops and farmers market are all close by. A perfect starter home or snowbird getaway. Come see it before it's gone.
Facts
- Property type
- Single Family Residence
- Year built
- 1975
- Bathrooms
- 2 full
- Living area
- 1,148 sqft
- Lot size
- 0.2 acres
- Private pool
- No
- Exposure
- East
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,037/yr
- Monthly fees
- $39/mo
- Listed
- Jul 22, 2026
- MLS #
- A4700919
Price & status history
- Listed for $209,000
- Price reduced to $200,000
- Status changed to Active Under Contract
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 6195 LA PORTE 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 — 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
$1,503
$1,011 of that is principal & interest. 33% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,011
- Property taxes
- $253
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $39
- Mortgage insurance (PMI)
- $0
- Total per month
- $1,503
Over the life of the loan
- Loan amount
- $160,000
- Down payment
- $40,000
- Total interest
- $204,071
- Principal + interest paid
- $364,071
- 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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6195 la Porte Ter, Port Charlotte, FL 33981
Listing courtesy of FINE PROPERTIES · MLS# A4700919 · Active Under Contract
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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