Kat Bonelli
$899,000$939,0004 bd4 ba2,717 sqft$331 /sqft$6,133 /mo all-in ↓

4255 SPIRE STREET, PORT CHARLOTTE, FL, 33981

Active153 days on marketListed Mar 10, 2026MLS #C7523164

Reduced $40KWaterfrontPrivate poolSingle Family ResidencePORT CHARLOTTE SEC 060

About this home

4255 SPIRE STREET

Recently reduced to reflect our current market conditions so CLICK THE VIDEO TOUR UNDER THE PICTURE TO SEE THE DRONE FOOTAGE OF THE WATERWAY Then come see this Key West–Style Pool Home with Dock & Boat Lift and see how you can live the Florida waterfront lifestyle! Located on the quaint and off the path 4255 Spire Street, this beautifully renovated Key West–style home is set on an oversized waterfront lot in Gulf Cove, a boating and riverfront comunity on the Myakka River. A true boater’s dream, this home offers you your very own dock and lift—perfect for enjoying sunset cruises, fishing trips, and easy days on the water before coming home to jump in the saltwater pool to cool off. This spacious (over 2500 under air!) 4-bedroom, 4 bath residence offers the perfect combination of coastal charm, modern upgrades, and boating convenience. Once inside you will find beautiful wood flooring, French doors, and plantation shutters that bring warmth and character to the home. The thoughtful layout provides flexibility for family and guests alike, featuring two spacious bedrooms downstairs with 1 and a half baths, while the upper level includes an additional bedroom along with a very generous primary suit with a spacious bathroom with a stand alone Garden Soaking tub, seperate walk in shower, dual sinks and a window overlooking the street below. This home is full of standout features including a spiral staircase connecting the downstairs family room to the upstairs family room, adding a unique architectural feature and convenient access between the two living spaces. Outdoor living here is truly exceptional. Enjoy the heated saltwater pool with newer saltwater equipment for year-round swimming and entertaining. A motorized awning provide additional shade poolside if desired plus more than 50 high-end, color-changing LED landscape lights illuminating the palms and outdoor areas to set the mood, both remote controlled. There is an additional shed with electric for your tools, you will want the oversized garage with storage cabinets and extra work space for your boating gear, cars and toys! For boating enthusiasts, the home includes 90 feet of concrete seawall, a private dock, and a upgraded 10,000-lb boat lift with a new 12-foot canopy, making it easy to enjoy everything Southwest Florida waterways have to offer. A unique architectural feature is the walkaround deck that wraps from the front of the home to the back, designed as a walking balcony and previewing area, with stairs from both the front and rear of the home. No concerns for the Florida breeze ... All windows and sliders are impact glass for peace of mind and the home sits high and dry! Additional recent upgrades include ** Freshly painted exterior ** Driveway and sidewalks recently cleaned and sealed ** Downstairs A/C only 2 years old and the upstairs was replaced in 2021 ** Washer and dryer less than one year old with minimal use ** New garbage disposal ** New Irrigation system with wifi controls ** 50 plus Highend landscape lights with time control ** New landscaping in the back yard ** This beautifully maintained waterfront home offers privacy, style, and the ultimate Florida boating lifestyle. Call your agent today, this home is a one of a kind and you wont want to miss this opportunity! Everything stays outside of a few personal items and favorites.. ask agent for the list.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

2,717

Sqft

0.29 ac

Lot size

2

Garage

1990

Year built

Two

Levels

$331

Per sqft

Private poolWaterfrontPool & Water viewTurnkey

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesCooktop · Dishwasher · Disposal · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Other · PrimaryBedroom Upstairs · Solid Wood Cabinets · Stone Counters
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric
FurnishedTurnkey

Outside & construction

RoofMetal
ConstructionBlock · Cement Siding · Concrete · Stucco · Wood Frame
FoundationBlock · Slab
ViewPool · Water
FacesEast
ParkingDriveway · Garage Door Opener · Ground Level · Other · Oversized
ExteriorBalcony · French Doors · Irrigation System · Lighting · Private Yard · Shade Shutter(s) · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$9,414/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Connected · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,133 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,851
PMI (est., until 20% equity)$337
Property tax — 2025 actual bill$785
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $89,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $89,900
Interest rate6.00%
Loan term

Estimated payment

$6,133/mo

Principal & interest$4,851
PMI (est., until 20% equity)$337
Property taxes (actual bill)$785
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs PORT CHARLOTTE SEC 060

$331 vs $300

Days on market

153 vs 60 typical

Where $331/sqft sits among the 22 homes for sale in PORT CHARLOTTE SEC 060

5
8
5 · this home
2
0
2
$189–258$258–328$328–397$397–467$467–536$536+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Gulf Cove

Map of 4255 SPIRE STREET inside its neighborhood boundary

Get to know Port Charlotte. See the full Port Charlotte guide →

Gulf Cove — neighborhood snapshot

Population

4,064

Median age

62

Median income

$57,533

Median home value

$349,277

Avg household

2

Households w/ children

274

For the school run

Charlotte County School District

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

13 of 22

PORT CHARLOTTE SEC 060 have cut their price

Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 2176% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

CurrentPrice reduced to $899,000 $40K
Mar 10, 2026Listed at $939,000 · 153 days on market since
1990Built · PORT CHARLOTTE SEC 060

Reality check

What actually sold near 4255 SPIRE STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12411 COLE AVENUESold · Jul ’26

$485,000

12411 COLE AVENUE · same community

3 bd · 2 ba · 2,527 sqft · $192/sqft · 236 DOM

12403 COLE AVENUESold · May ’26

$495,000

12403 COLE AVENUE · same community

3 bd · 3 ba · 2,496 sqft · $198/sqft · 19 DOM

3069 STONE STREETSold · Apr ’26

$699,000

3069 STONE STREET · same community

3 bd · 2 ba · 2,444 sqft · $286/sqft · 329 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4255 SPIRE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4255 SPIRE STREET — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Kat's phone and CRM.

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Goes straight to Kat’s phone and CRM.

Straight answers

4255 SPIRE STREET FAQs

What would the monthly payment be for 4255 SPIRE STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,133/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 4255 SPIRE STREET?+

The most recent tax bill on record (2025) was $9,414. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Port Charlotte?+

At $899,000, this home is listed about 172% above the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.

Which schools are assigned to 4255 SPIRE STREET?+

Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$899,000 runs 2176% above the PORT CHARLOTTE 33981 median — but at 2,717 sqft it's also 66% larger than the typical Port Charlotte listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

153 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $939,000, now $899,000 — a $40K cut. The full history is in the market section below.

Listing courtesy of PREMIER PROPERTIES OF SRQ LLC · Carla Bruce. MLS #C7523164.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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