$279,900
Active5230 Montego Ln, Port Charlotte, FL 33981
3 beds · 2 baths · 1,615 sq ft
Listing courtesy of SUNCOAST REALTY SOLUTIONS, LLC · MLS# TB8518820
110 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Gulf Cove Community
- Myakka State Forest proximity
- Myakka River boat launch
- Low annual POA fee
AI-selected highlights from the listing description below.
BANK OWNED property, With some TLC you can have equity in this 3-bedroom, 2 bath home in Port Charlotte in the coveted Gulf Cove Community. Close proximity the Myakka State Forest and beaches of Englewood and Manasota Key. The Property Owners Association of Gulf Cove own two private waterfront recreational properties that encompass a little over 5 acres on the Myakka River, including boat launch, picnic area, pavilion and playground. Low POA fee of $75.00 ANNUALLY. Schedule your showing appointment today!
Facts
- Property type
- Single Family Residence
- Year built
- 1992
- Living area
- 1,615 sqft
- Lot size
- 0.3 acres
- Private pool
- No
- Exposure
- Southwest
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,351/yr
- Listed
- 2026-06-10
- MLS #
- TB8518820
Price & status history
- Listed for $289,900
- Price reduced to $279,900
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 5230 MONTEGO LN. 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
$2,011
$1,415 of that is principal & interest. 30% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,415
- Property taxes
- $363
- Homeowners insurance
- $233
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,011
Over the life of the loan
- Loan amount
- $223,920
- Down payment
- $55,980
- Total interest
- $285,598
- Principal + interest paid
- $509,518
- 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
Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
5230 Montego Ln, Port Charlotte, FL 33981
Listing courtesy of SUNCOAST REALTY SOLUTIONS, LLC · MLS# TB8518820 · 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.
