
4255 SPIRE STREET, PORT CHARLOTTE, FL, 33981
Active153 days on marketListed Mar 10, 2026MLS #C7523164
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,133/mo
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
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte 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
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.
Sold · Jul ’26$485,000
12411 COLE AVENUE · same community
3 bd · 2 ba · 2,527 sqft · $192/sqft · 236 DOM
Sold · May ’26$495,000
12403 COLE AVENUE · same community
3 bd · 3 ba · 2,496 sqft · $198/sqft · 19 DOM
Sold · 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.

Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4255 SPIRE STREET — start here.

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.
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.
Keep looking
Similar homes nearby
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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