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$500,000

Active

8626 Agate St, Port Charlotte, FL 33981

4 beds Β· 3 baths Β· 2,678 sq ft

Listing courtesy of PREFERRED SHORE LLC Β· MLS# C7532672

4 days on market

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

About this home

4 BEDROOMS + DEN | 3 FULL BATHS | 3-CAR GARAGE | 11 FOOT CEILINGS | TWO MASTER SUITES | PRIVATE POOL WITH SUN SHELF & BUBBLER | BOATING & GULF ACCESS |$10,000 BUYER CREDIT | PUBLIC UTILITIES | OVERSIZED CORNER LOT AND MORE!!! Welcome to this EXCEPTIONALLY maintained, well-built home in the highly desirable SOUTH GULF COVE COMMUNITY! Built in 2016, this spacious residence offers 2,678 square feet of thoughtfully designed living space, featuring 4 bedrooms PLUS a den, 3 FULL bathrooms, with high ceilings throughout. Quality craftsmanship, a versatile open concept and split floor plan, that has a move-in-ready feel, this home is very unique and offers a ton of value compared to other homes in the area. One of the home's most desirable features is its dual master suite layout, ideal for multigenerational living or accommodating guests. The primary suite offers a generous walk-in closet, an oversized walk-in shower, and a LUXURIOUS SOAKING TUB large enough for two. The second suite provides added privacy with its own walk-in shower conveniently located within the bedroom, creating a comfortable retreat for family or visitors. The spacious kitchen is perfect for everyday living and entertaining, showcasing gorgeous GRANITE countertops, an oversized island with seating, all-wood cabinetry, and a walk-in pantry. Step outside to your private in-ground swimming pool featuring a sun shelf and bubbler, complemented by an expansive paver pool deck installed in 2019. This inviting outdoor oasis is perfect for relaxing, entertaining, and soaking up the Florida sunshine. Situated on an OVERSIZED corner lot, the property also features an impressive THREE CAR GARAGE with AMPLE ROOM for a full-size pickup truck and additional storage. PUBLIC UTILITIES(including fiber optic internet) add convenience, while the home's location near the entrance of South Gulf Cove provides easy access to shopping, dining, and everyday essentials. (Grocery stores etc are just minutes away) Boating enthusiasts will appreciate the COMMUNITIES PRIVATE BOAT RAMP that's very close by, offering access to open waters and the Gulf of Mexico. South Gulf Cove also features sidewalks, walking trails, and playgrounds for residents to enjoy. When it's time for a beach day, Englewood ,Manasota Key AND BOCA GRANDE beaches are approximately 20 minutes away, making coastal adventures an easy part of everyday life. Even more value awaits with a $10,000 seller credit toward the buyer's closing costs or an INTEREST RATE BUY DOWN, helping make this exceptional property an even more attractive opportunity. If you're searching for a spacious, move-in-ready Florida home with a flexible floor plan, two private suites, a pool with resort-style features, an oversized garage, and convenient boating and beach access, this South Gulf Cove property deserves a closer look because all this home offers is hard to find at this price. Schedule your private showing today and discover all this beautiful Florida home has to offer!

Facts

Property type
Single Family Residence
Year built
2016
Bathrooms
3 full
Living area
2,678 sqft
Lot size
0.27 acres
Private pool
Yes
Exposure
Northwest
Furnished
Unfurnished
Flood zone
X500,AE
CDD
No
55+ community
No
Annual taxes
$1,116/yr
Listed
Oct 28, 2026
MLS #
C7532672

Estimate the monthly payment

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

Starting figures for 8626 AGATE ST. 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.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied β€” your down payment is 20% or more.

Estimated total monthly payment

$3,038

$2,528 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
$2,528
Property taxes
$93
Homeowners insurance
$417
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$3,038

Over the life of the loan

Loan amount
$400,000
Down payment
$100,000
Total interest
$510,178
Principal + interest paid
$910,178
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.

8626 Agate St, Port Charlotte, FL 33981

Listing courtesy of PREFERRED SHORE LLC Β· MLS# C7532672 Β· Active

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

In person Β· Tue, Nov 3 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 Nov 2, 2026, 4:11 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]