$99,000
Active10120 Winnipeg St, Port Charlotte, FL 33981
0.23 acre lot
Open houses
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Listing courtesy of IAD FLORIDA LLC · MLS# O6410534
129 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Gulf-access canal lot
- Direct Gulf access
- Oversized waterfront lot
- Public water and sewer
- 50 miles navigable waterways
- No required build timeframe
AI-selected highlights from the listing description below.
Build your dream waterfront home in the highly sought-after boating community of South Gulf Cove! Located at 10120 Winnipeg St, Port Charlotte, FL, this oversized Gulf-access canal lot offers direct access to more than 50 miles of navigable waterways leading to the Gulf of Mexico. Whether you enjoy boating, fishing, kayaking, or simply relaxing in the Florida sunshine, this property delivers the ultimate Southwest Florida lifestyle. This build-ready homesite features public water, sewer, and electricity available, helping simplify the building process and reduce upfront development costs. Surrounded by newer custom homes and ongoing growth, South Gulf Cove continues to attract a wide range of homebuyers and property owners from across the U.S. and abroad. Enjoy convenient access to Boca Grande beaches, world-class fishing, golf courses, marinas, waterfront dining, shopping, parks, and public boat ramps. With no required timeframe to build, this property is ideal for: Primary residence Seasonal getaway Private waterfront retreat Investment property Long-term land holding Don’t miss this opportunity to own affordable Florida waterfront property with Gulf access in one of Charlotte County’s fastest-growing coastal communities.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Canal - Brackish
- Water view
- Yes
- Flood zone
- AE*
- Annual taxes
- $1,756/yr
- Listed
- 2026-05-24
- MLS #
- O6410534
Virtual tour
- Virtual tourmedia.casadivinarep.comView the virtual tour(opens media.casadivinarep.com in a new tab)
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 10120 WINNIPEG 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
$847
$501 of that is principal & interest. 41% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $501
- Property taxes
- $146
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $847
Over the life of the loan
- Loan amount
- $79,200
- Down payment
- $19,800
- Total interest
- $101,015
- Principal + interest paid
- $180,215
- 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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10120 Winnipeg St, Port Charlotte, FL 33981
Listing courtesy of IAD FLORIDA LLC · MLS# O6410534 · 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.
