$14,000
Active12092 Grady Ave, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of SAVVY AVENUE, LLC · MLS# A4710373
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Residential Lot in Gulf Cove, Port Charlotte 33981 | New Construction Nearby Discover this approximately 10,000 Sq.Ft. residential lot at 12092 Grady Ave, Port Charlotte, FL 33981, located in the desirable Gulf Cove area of Southwest Florida. Set in a quiet residential neighborhood with existing homes, newer construction and continued development nearby, this property offers an attractive opportunity for a future Florida homesite or long-term land investment. Municipal water infrastructure is available nearby within the surrounding area, adding to the convenience of this established and developing Port Charlotte neighborhood. Gulf Cove offers a relaxed residential setting while remaining within easy reach of the amenities of Port Charlotte, Englewood and North Port. Shopping, restaurants, medical facilities and everyday services are all accessible by car, while the surrounding area continues to see steady residential growth. There is no mandatory HOA or CDD, providing added flexibility for property owners. Owners in the Gulf Cove community may also have the option to join the Gulf Cove Property Owners Association for an annual fee, with access to a private waterfront park and boat ramp on the Myakka River. The location is well suited for buyers who enjoy the Southwest Florida lifestyle, with convenient access to the Myakka River, Charlotte Harbor, Englewood Beach and Boca Grande for boating, fishing, kayaking and Gulf Coast recreation. Regional travel is convenient with access toward US-41, Interstate 75, Punta Gorda and North Port, while Punta Gorda Airport provides additional travel connections. With its Port Charlotte 33981 location, approximately 0.23-acre homesite, nearby residential development and access to Gulf Cove amenities, 12092 Grady Ave represents an appealing opportunity for future homeowners, builders and investors looking for residential land in Southwest Florida.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Flood zone
- X500
- Annual taxes
- $367/yr
- Listed
- Oct 22, 2026
- MLS #
- A4710373
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 12092 GRADY AVE. 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
$301
$71 of that is principal & interest. 77% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $71
- Property taxes
- $31
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $301
Over the life of the loan
- Loan amount
- $11,200
- Down payment
- $2,800
- Total interest
- $14,285
- Principal + interest paid
- $25,485
- 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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12092 Grady Ave, Port Charlotte, FL 33981
Listing courtesy of SAVVY AVENUE, LLC · MLS# A4710373 · 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.
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