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Overview

4 bd3 ba2,349 sqft3 car garageSingle Family
TypeSingle Family
HOA$816/qtr
Built2019
Lot13,747 sqft
Living area2,349 sqft
Price / sqft$349
Garage3 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Hurricane ShuttersDishwasherRangeRefrigerator

15040 Spanish Point Dr is a 2019-built home in Harbor West, Port Charlotte. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,349 square feet of living space. Listed at $819,000 (about $349/sqft), 83 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $816 quarterly.

From the listing

Welcome to waterfront living in the highly sought-after Harbor West community! This beautifully maintained 4-bedroom, 2.5-bath home offers the perfect blend of luxury, comfort, and boating convenience. Designed with both everyday living and entertaining in mind, the spacious floor plan flows seamlessly to the outdoor living area where you'll find a private screened pool overlooking the canal. Step outside to your private dock with quick Gulf access—located just minutes from the lock, making it easy to spend more time on the water and less time navigating canals. The oversized 3-car garage provides plenty of room for vehicles, golf carts, and all of your boating and fishing gear. Whether you're looking for a full-time residence, seasonal retreat, or waterfront investment, this home delivers the Florida lifestyle of your dreams. Enjoy peaceful water views, easy boating access, and all the benefits of living in Harbor West, one of the area's premier waterfront communities. Schedule your private showing today and discover why this exceptional home stands out from the rest!

The essentials

Built
2019
Price / sqft
$349
On market
88 days
Annual tax
$10,283
HOA
$816/qtr
Flood zone
AE
Lot
13,747 sqft
Type
Single Family Residence

At a glance

Single family
Built 2019
Waterfront
Canal - Brackish
Private pool
In Ground
3 car garage
0.32 acres
Lot size

Payment

Est. monthly payment
$5,809/mo
Down payment (20%)
$163,800
Property taxes
$857/mo
HOA
$816/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2019
Lot
13,747 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Pool
In Ground
Waterfront
Canal - Brackish, Canal - Saltwater
Days on Market
88
Hurricane Shutters
Dishwasher
Range
Refrigerator
Flood Zone AE
Annual Tax (2025)
$10,283
Parcel #
412109432006

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbor West
County
Charlotte
MLS Area
33981 - Port Charlotte
Lot Size
13,747 sqft
HOA
$816/qtr
Grande Property Services

Price history

Date
Event
Price
10/7/2026
Price change
Source: Stellar MLS #C7528523
$819,000-3.5%
$349/sqft
7/13/2026
Listed for sale
Source: Stellar MLS #C7528523
$849,000
$361/sqft

Neighborhood

15040 Spanish Point Dr
Port Charlotte, FL, 33981 · 33981 - Port Charlotte

Market insights

Offer Insights

Choose an offer strength

List price: $819,000
$785,000 – $819,000
95.7% – 100% of listTops out right at the list price
80% of listList price
229 of the last 453 home closings in 33981 landed at this number or higher (51%). The median one sat 89 days before it went under contract, and this one is on day 88 after a $30,000 cut.

Sample: 453 closed home sales in 33981 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$5,810/mo
Principal & interest$4,271
Property taxes$857
Insurance$410
HOA$272
Down payment20% · $163,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$819,000

$349 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,349 sq ft

Time on market

88 days

Year built

2019

Monthly payment

About $5,809/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $10,283 annual tax bill, insurance, and the $816/qtr HOA fee.

HOA fee

$816/qtr

Managed by Grande Property Services.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byPARADISE EXCLUSIVE REAL ESTATEListing agent: Royce RittingerListing data from Stellar MLS, MLS# C7528523.

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