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$129,000

Active

8528 Santa Cruz Dr, Port Charlotte, FL 33981

0.23 acre lot

Listing courtesy of FIVE STAR REALTY OF CHARLOTTE Β· MLS# C7530037

56 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

Here is the waterfront homesite that takes the hardest part of building off your plate. Located at 8528 Santa Cruz Dr in the sought-after boating community of South Gulf Cove in Port Charlotte, this buildable canal lot comes with an 80 FOOT CONCRETE SEAWALL already installed in 2023. That single detail is worth pausing on. A new seawall of this length is an expense that can approach $50,000 in today's market, and beyond the money, sparing you the months of engineering, permitting, marine contractor scheduling, and construction. That work is already finished, permitted, and behind you, so you can move straight to designing your home. The lot spans .23 acres, a full 10,000 square feet, measuring 80 feet of road and canal frontage by 125 feet deep, with public water and public sewer available to build. Zoned RSF-3.5, Charlotte County's residential single-family district, the property is designated for a single-family detached home, which may include an attached guest suite. RSF-3.5 permits building heights up to 38 feet and allowing as much as 4,000 square feet of coverage on a parcel this size, with typical setbacks of 25 feet in front, 7.5 feet on the sides, and 20 feet from the water. That leaves a generous building envelope, with plenty of room for a large home paired with a screened lanai and a pool oasis positioned right along the canal, exactly the kind of layout Florida waterfront living was made for. Buyers should verify exact setbacks and site plan requirements with Charlotte County before finalizing home plans. Adding to the appeal, this property is NOT located in a Scrub Jay review area, and the National Wetland Inventory mapper shows NO wetlands on site. South Gulf Cove is one of Southwest Florida's premier boating communities, built around roughly 55 miles of navigable canals that connect through the community's boat lock system to Charlotte Harbor and on to the Gulf. The community's own South Gulf Cove Park features a public boat ramp, fishing, picnic areas, BBQ grills, and a playground, while San Domingo Park is a short drive away with fishing, a fitness trail, a nature trail, and open green space. The surrounding area delivers just as much. Golfers are spoiled for choice, with Rotonda Golf and Country Club and its five distinct courses, the Palms, Pinemoor, Hills, Links, and Long Marsh, only minutes away, plus many more highly rated courses nearby. The beautiful beaches of Englewood Beach and Boca Grande are roughly 15 to 20 minutes away, and coastal restaurants, grocery stores, and shops for everyday needs are all a short drive from your door. Sports fans have Charlotte Sports Park, spring training home of the Tampa Bay Rays, and CoolToday Park in Wellen Park, spring training home of the Atlanta Braves, both within an easy drive for Spring Training baseball every year. I-75 is approximately 25 to 30 minutes away for easy travel north and south throughout the state, and Fort Myers International Airport (RSW) is roughly an hour away. Contact us today to make this waterfront lot yours.

Facts

Property type
Land
Lot size
0.23 acres
Waterfront
Yes Β· 80 ft
Water access
Bay/Harbor, Canal - Brackish, Gulf/Ocean
Water view
Yes
Exposure
Northwest
Flood zone
AE
Annual taxes
$2,700/yr
Monthly fees
$10/mo
Listed
Sep 1, 2026
MLS #
C7530037

Price & status history

  1. Listed for $145,000
  2. Price reduced to $129,000

Virtual tour

Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.

Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 8528 SANTA CRUZ DR. 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

$1,087

$652 of that is principal & interest. 40% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$652
Property taxes
$225
Homeowners insurance
$200
Flood insurance
$0
HOA / condo fees
$10
Mortgage insurance (PMI)
$0
Total per month
$1,087

Over the life of the loan

Loan amount
$103,200
Down payment
$25,800
Total interest
$131,626
Principal + interest paid
$234,826
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.

8528 Santa Cruz Dr, Port Charlotte, FL 33981

Listing courtesy of FIVE STAR REALTY OF CHARLOTTE Β· MLS# C7530037 Β· Active

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

In person Β· Thu, Oct 29 Β· Morning (9-12)

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

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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Similar homes

Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 8:57 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. Β· [email protected]