10650 POUGHKEEPSIE CIRCLE, PORT CHARLOTTE, FL, 33981
Active0 days on marketListed Aug 15, 2026MLS #TB8538200
About this home
10650 POUGHKEEPSIE CIRCLE
Set on a rare 0.69-acre tip lot with 285.5 feet of seawall, this custom Luke Brothers-built home offers a covered 16' x 20' composite dock with a 10,000-lb. lift on a deep-water canal, providing quick, bridge-free access to Charlotte Harbor, the open Gulf, and the world-famous tarpon fishing of Boca Grande. Double-glass entry doors welcome you into an open great room floor plan featuring crown molding, illuminated tray ceilings, and elegant diagonal tile flooring throughout. Corner sliding glass doors connect the main living area directly to the lanai and pool deck, creating a seamless indoor-outdoor flow. The kitchen is equipped with quartz countertops, a modern induction range, premium Bosch dishwasher, and oversized walk-in pantry. The private primary suite features an expansive bedroom, jetted soaking tub, large walk-in shower with bench, elegant granite bathroom finishes, and convenient direct-access pass-through to the laundry room. A versatile fourth bedroom or den features custom built-ins, a dry bar, ensuite bathroom, and sliding doors opening to the lanai—ideal for guests or a home office. Impact-rated windows and doors, attic spray foam insulation, an attached 3-car garage, and a newer 2023 roof add to the home’s functionality and peace of mind. The entertainer’s backyard offers a heated pool, outdoor kitchen, and expansive grounds. For additional parking and storage, the property includes a dedicated gravel RV parking pad with a 50-amp hookup, plus plenty of room for additional vehicles, trailers, or outdoor hobbies. Beyond the property, you’re just a short distance from beautiful beaches, shopping and dining, and the historic charm of downtown Punta Gorda.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,582
Sqft
0.69 ac
Lot size
3
Garage
2016
Year built
One
Levels
$405
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 and the real association fee — not generic estimates.
$7,035 /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
$7,035/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.
vs edgeAI estimate
+54.2%
Days on market
0 vs 59 typical
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 South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2579% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
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
Carlos Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10650 POUGHKEEPSIE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10650 POUGHKEEPSIE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Carlos's phone and CRM.
Straight answers
10650 POUGHKEEPSIE CIRCLE FAQs
What would the monthly payment be for 10650 POUGHKEEPSIE CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,035/mo — principal and interest, the actual property-tax bill, the $10/mo association fee 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.
How much are the HOA fees at 10650 POUGHKEEPSIE CIRCLE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10650 POUGHKEEPSIE CIRCLE?+
The most recent tax bill on record (2025) was $10,014. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10650 POUGHKEEPSIE CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $1,045,000, this home is listed about 217% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10650 POUGHKEEPSIE CIRCLE?+
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
Three things that matter here
01Positioned at the premium end
$1,045,000 runs 2579% above the PORT CHARLOTTE 33981 median — but at 2,582 sqft it's also 58% 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.
03Fresh on the market
Listed today in a Port Charlotte market that averages 59 — if it fits, move quickly.
Listing courtesy of FLORIDA EXECUTIVE REALTY 2 · Jennifer Sparacino. MLS #TB8538200.
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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