$979,000
Active10860 McAlester Cir #1R, Port Charlotte, FL 33981
3 beds Β· 4 baths Β· 2,014 sq ft
Listing courtesy of THE AGENCY SARASOTA Β· MLS# A4710429
Listed today
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Discover a fresh take on waterfront living in this newly constructed modern residence, set along a wide saltwater canal with boating access to the Gulf of Mexico. Designed for those who appreciate contemporary architecture, generous entertaining spaces, and the beauty of Southwest Floridaβs waterfront lifestyle, this 3-bedroom plus office, 3.5-bath home pairs clean lines with thoughtfully selected finishes and exceptional indoor-outdoor flow. The open-concept interior feels bright and sophisticated, with soaring ceilings, 8-foot doors, recessed lighting, and oversized marble-look tile flooring throughout. The great room opens to the covered lanai through a fully opening three-panel sliding glass door, extending the living space outdoors and framing beautiful canal views. At the heart of the home, the kitchen combines contemporary style with everyday functionality. Quartz countertops, a waterfall-edge island, modern pendant lighting and a walk-in pantry create an inviting space for cooking and gathering. An oversized French-door refrigerator adds convenience and generous storage, while sleek black hardware provides a cohesive modern finish. The primary suite offers a private retreat with direct lanai access, dual walk-in closets, and a spa-inspired bathroom featuring quartz countertops, dual vanities, and a beautifully tiled walk-in shower with dual shower heads. Each guest bedroom has its own ensuite bathroom, offering added privacy and comfort, while the separate office provides flexibility for working from home or creating a dedicated study. Outside, the propertyβs waterfront setting takes center stage. The heated pool and spa overlook the wide canal, while the screened lanai features a view-conscious enclosure design that minimizes visual obstructions and preserves the expansive water views. An outdoor kitchen and exterior shower further enhance the outdoor living experience, creating an ideal setting for entertaining, unwinding after a day on the water, or enjoying Floridaβs year-round sunshine. Additional features include hurricane-impact windows and sliding glass doors. A boat dock and lift may be negotiated as part of the purchase contract, subject to buyer preferences. Located in the South Gulf Cove area, the home offers convenient access to Boca Grande, Manasota Key, Wellen Park shopping and dining, and the Cove of Rotonda Golf Center. A distinctive opportunity to enjoy new construction, contemporary design, and Gulf-access waterfront living in one exceptional property. Seller may offer a buyer closing cost credit to assist with eligible settlement expenses, lender-related costs, and prepaid escrow items through seller-approved financing programs. Program availability, buyer qualifications, incentive terms, and applicable contribution limits may apply. Buyers should verify eligibility and terms with the seller and participating lender.
Facts
- Property type
- Single Family Residence
- Year built
- 2026
- Living area
- 2,014 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes Β· 80 ft
- Water access
- Canal - Brackish, Canal - Saltwater, Gulf/Ocean
- Water view
- Yes
- Private pool
- Yes
- Exposure
- South
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $2,160/yr
- Monthly fees
- $10/mo
- Listed
- Oct 21, 2026
- MLS #
- A4710429
Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 10860 MCALESTER CIR #1R. 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied β your down payment is 20% or more.
Estimated total monthly payment
$5,956
$4,950 of that is principal & interest. 17% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $4,950
- Property taxes
- $180
- Homeowners insurance
- $816
- Flood insurance
- $0
- HOA / condo fees
- $10
- Mortgage insurance (PMI)
- $0
- Total per month
- $5,956
Over the life of the loan
- Loan amount
- $783,200
- Down payment
- $195,800
- Total interest
- $998,928
- Principal + interest paid
- $1,782,128
- 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.
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10860 McAlester Cir #1R, Port Charlotte, FL 33981
Listing courtesy of THE AGENCY SARASOTA Β· MLS# A4710429 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.
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