$1,785,000
Active4245 Spire St, Port Charlotte, FL 33981
6 beds Β· 4 baths Β· 4,777 sq ft
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS Β· MLS# GC544122
Listed today
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Bring your boat and your fishing gear to one of the most impressive waterfront homes in the Gulf Cove area of Port Charlotte. Set on a quiet, private street along a saltwater canal, this 6-bedroom, 4-bathroom pool home offers 4,555 square feet of heated living space, block construction, a metal roof, and direct access to the Myakka River, Charlotte Harbor, the Intracoastal Waterway, and the Gulf. Boating enthusiasts will love the setup out back, with 75 feet of water frontage, a concrete seawall, and a private dock featuring both 120V and 220V shore power and freshwater access. The impressive 20,000-pound boat lift with a 40-foot covered canopy offers convenience and protection for your vessel, just steps from the back door. The screened lanai surrounds a heated saltwater pool and in-ground heated spa, making it easy to enjoy the Florida lifestyle all year long. Freshly painted inside and out, the home features higher-end finishes throughout and a flexible layout with two complete living levels, each with its own kitchen, dining area, and living space. Itβs an ideal setup for extended family, guests, or multigenerational living. The main level gourmet kitchen is a true showpiece, featuring Wolf appliances, a gas cooktop island beneath a custom wood range hood, double wall ovens, a wine refrigerator, solid wood cabinetry, and granite countertops. The spacious living room with a fireplace and a formal dining room complete the main living area, along with three bedrooms, each with a walk-in closet. Upstairs, the primary suite offers a walk-in closet and a spa-like bathroom with dual sinks, a garden tub, and a separate shower. Two additional bedrooms share a Jack and Jill bath, and the upper level also includes a second kitchen with an island and pantry, a family room, a dining room, a large dinette, and an office with a water view. Step out onto the balconies to take in canal views and spectacular sunsets. Additional highlights include a new water heater, Sonos audio, security cameras, central vacuum, crown molding, high ceilings, arched entryways, an irrigation system, and an oversized garage with space currently set up as a home gym. The home is being offered partially furnished, and there is no HOA. Residents also enjoy access to a community boat ramp and fishing areas. The location keeps getting better. A new park with bike and walking trails, a beach area, a fishing pier, and boat docks is currently under construction in the wildlife preserve across from the property, with completion expected in December 2026. The new pier and beach pavilion will be just about a mile away, an easy walk or bike ride from home. Zoned for Myakka River Elementary, L.A. Ainger Middle, and Lemon Bay High School. Schedule your private showing today and see everything this waterfront lifestyle property has to offer.
Facts
- Property type
- Single Family Residence
- Year built
- 2008
- Living area
- 4,777 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes Β· 75 ft
- Water access
- Bay/Harbor, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- East
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $12,754/yr
- Listed
- Oct 12, 2026
- MLS #
- GC544122
Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 4245 SPIRE 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 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
$11,576
$9,026 of that is principal & interest. 22% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $9,026
- Property taxes
- $1,063
- Homeowners insurance
- $1,488
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $11,576
Over the life of the loan
- Loan amount
- $1,428,000
- Down payment
- $357,000
- Total interest
- $1,821,335
- Principal + interest paid
- $3,249,335
- 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.
4245 Spire St, Port Charlotte, FL 33981
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS Β· MLS# GC544122 Β· Active
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.



