$22,000
Active12495 Steen Ter, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of SAVVY AVENUE, LLC · MLS# A4710427
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
South Gulf Cove Residential Lot | Port Charlotte 33981 | Public Water Available Discover this approximately 10,000 Sq.Ft. residential lot at 12495 Steen Ter, Port Charlotte, FL 33981, located in the growing South Gulf Cove area of Southwest Florida. Situated in a residential neighborhood with a mix of established homes, newer construction and vacant homesites, this property offers an appealing opportunity for a future Florida residence or long-term land investment. Public water is available along Steen Ter, providing convenient access to municipal water infrastructure for future development. South Gulf Cove is known for its relaxed residential atmosphere, extensive network of waterways and proximity to some of Southwest Florida’s most popular coastal destinations. The area continues to attract new construction while maintaining a peaceful residential character. The property is conveniently located near Port Charlotte, Englewood and North Port, with shopping, restaurants, medical facilities and everyday services within easy driving distance. Outdoor recreation is one of the area’s major attractions, with convenient access to Charlotte Harbor, the Myakka River, Englewood Beach and Boca Grande, offering opportunities for boating, fishing, kayaking and enjoying the Gulf Coast lifestyle. The broader Port Charlotte 33981 area provides good regional connections toward US-41, Interstate 75 and Punta Gorda, while Punta Gorda Airport offers additional travel options. With its South Gulf Cove location, approximately 0.23-acre lot size, public water availability and continued residential development nearby, 12495 Steen Ter represents an attractive opportunity for future homeowners, builders and investors seeking residential land in Southwest Florida.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Flood zone
- AE
- Annual taxes
- $481/yr
- Listed
- Oct 22, 2026
- MLS #
- A4710427
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 12495 STEEN TER. 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
$351
$111 of that is principal & interest. 68% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $111
- Property taxes
- $40
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $351
Over the life of the loan
- Loan amount
- $17,600
- Down payment
- $4,400
- Total interest
- $22,448
- Principal + interest paid
- $40,048
- 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.
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12495 Steen Ter, Port Charlotte, FL 33981
Listing courtesy of SAVVY AVENUE, LLC · MLS# A4710427 · 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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