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$22,000

Active

12495 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 offer

Starting 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.

Take a tour

Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

12495 Steen Ter, Port Charlotte, FL 33981

Listing courtesy of SAVVY AVENUE, LLC · MLS# A4710427 · Active

How would you like to see it?
Which day?
What time of day?

In person · Fri, Oct 23 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 22, 2026, 4:06 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]