$849,000
Active15040 Spanish Point Dr, Port Charlotte, FL 33981
4 beds · 3 baths · 2,349 sq ft
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · MLS# C7528523
75 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- waterfront living
- private screened pool
- canal views
- private dock
- quick Gulf access
- oversized 3-car garage
- boating convenience
AI-selected highlights from the listing description below.
Welcome to waterfront living in the highly sought-after Harbor West community! This beautifully maintained 4-bedroom, 2.5-bath home offers the perfect blend of luxury, comfort, and boating convenience. Designed with both everyday living and entertaining in mind, the spacious floor plan flows seamlessly to the outdoor living area where you'll find a private screened pool overlooking the canal. Step outside to your private dock with quick Gulf access—located just minutes from the lock, making it easy to spend more time on the water and less time navigating canals. The oversized 3-car garage provides plenty of room for vehicles, golf carts, and all of your boating and fishing gear. Whether you're looking for a full-time residence, seasonal retreat, or waterfront investment, this home delivers the Florida lifestyle of your dreams. Enjoy peaceful water views, easy boating access, and all the benefits of living in Harbor West, one of the area's premier waterfront communities. Schedule your private showing today and discover why this exceptional home stands out from the rest!
Facts
- Property type
- Single Family Residence
- Year built
- 2019
- Living area
- 2,349 sqft
- Lot size
- 0.32 acres
- Waterfront
- Yes · 160 ft
- Water access
- Canal - Brackish, Canal - Saltwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- East
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $10,283/yr
- Monthly fees
- $272/mo
- Listed
- 2026-07-13
- MLS #
- C7528523
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 15040 SPANISH POINT DR. 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
$6,129
$4,293 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
- $4,293
- Property taxes
- $857
- Homeowners insurance
- $708
- Flood insurance
- $0
- HOA / condo fees
- $272
- Mortgage insurance (PMI)
- $0
- Total per month
- $6,129
Over the life of the loan
- Loan amount
- $679,200
- Down payment
- $169,800
- Total interest
- $866,282
- Principal + interest paid
- $1,545,482
- 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.
15040 Spanish Point Dr, Port Charlotte, FL 33981
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · MLS# C7528523 · 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.
