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$760,000

Active

9222 Melody Cir, Port Charlotte, FL 33981

3 beds · 2.5 baths · 2,090 sq ft

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · MLS# D6148802

39 days on market

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

About this home

WATERFRONT LIVING AT ITS FINEST! Welcome to this FULLY FURNISHED, 2,090 SQ FT, 3-BEDROOM, 2.5-BATH WATERFRONT HOME perfectly positioned on the serene Zephyr Waterway in desirable South Gulf Cove! From the moment you arrive, the mature landscaping, irrigation system, expansive paver driveway, and impressive 3-car garage set the tone for a home that combines Florida living with effortless style while SPRAY FOAM INSULATION makes the home more energy efficient. Inside, a bright and spacious OPEN FLOORPLAN WITH SPLIT-BEDROOM DESIGN showcases soaring tray ceilings, 8-foot doors, crown molding, glass French doors, and beautiful BEACH-THEMED FURNISHINGS. The spectacular great room is filled with natural light thanks to a ZERO-CORNER POCKET SLIDER, creating an incredible connection between the indoor living space and the resort-style lanai. The kitchen features raised bar seating, granite countertops, soft-close drawers, updated appliances, a range with hood, and a dining area with double sliders PLUS the zero-corner slider—perfect for entertaining and enjoying the waterfront views. The light-filled den, highlighted by a large arched window, offers incredible flexibility and could easily serve as a 4TH BEDROOM, HOME OFFICE, OR PRIVATE RETREAT. A spacious laundry room adds everyday convenience. The PRIVATE PRIMARY SUITE is generously sized and features tray ceilings, abundant windows, and direct views toward the lanai and canal. Two custom walk-in closets provide exceptional storage, while the luxurious en-suite bath offers a private water closet, dual-access walk-around shower, split granite vanities, exhaust fans, and bright windows surrounding the shower. Both guest bedrooms feature ceiling fans and large built-in closets, with one guest bedroom offering direct access to the lanai and convenient access to the half bath with granite-topped vanity. But the REAL SHOWSTOPPER IS OUT BACK! Step into your own private Florida oasis where the expansive screened lanai features PAVER DECKING, AN OUTDOOR KITCHEN, BUILT-IN KITCHENAID GRILL, ICE MAKER, WINE FRIDGE, GRANITE COUNTERS, AND BUILT-IN SINK—everything you need for unforgettable gatherings. Built-in speakers set the mood, while accordion hurricane shutters provide added peace of mind. An outdoor shower makes pool days even more convenient. And then there’s the HEATED SALTWATER POOL & SPA—a spectacular centerpiece for relaxing, entertaining, and enjoying the Florida sunshine year-round. Beyond the screened lanai, the waterfront lifestyle continues with a COMPOSITE DOCK AND 10,000 LB BOAT LIFT, complete with WATER AND ELECTRIC. With its thoughtful design, incredible indoor-outdoor flow, extensive upgrades, gorgeous waterfront setting, and RESORT-STYLE OUTDOOR LIVING, this South Gulf Cove home delivers the Florida lifestyle you've been waiting for. BRING YOUR BOAT, YOUR SWIMSUIT, AND YOUR SENSE OF ADVENTURE—THIS ONE IS READY TO ENJOY!

Facts

Property type
Single Family Residence
Year built
2017
Bathrooms
2 full, 1 half
Living area
2,090 sqft
Lot size
0.25 acres
Waterfront
Yes · 94 ft
Water access
Canal - Brackish
Water view
Yes
Private pool
Yes
Exposure
Southwest
Furnished
Furnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$6,897/yr
Monthly fees
$10/mo
Listed
Sep 18, 2026
MLS #
D6148802

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 9222 MELODY CIR. 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.

From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.

AssumptionNot applied — your down payment is 20% or more.

Estimated total monthly payment

$5,061

$3,843 of that is principal & interest. 24% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$3,843
Property taxes
$575
Homeowners insurance
$633
Flood insurance
$0
HOA / condo fees
$10
Mortgage insurance (PMI)
$0
Total per month
$5,061

Over the life of the loan

Loan amount
$608,000
Down payment
$152,000
Total interest
$775,470
Principal + interest paid
$1,383,470
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.

9222 Melody Cir, Port Charlotte, FL 33981

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · MLS# D6148802 · Active

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

In person · Thu, Oct 29 · 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 28, 2026, 8:22 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]