8528 Santa Cruz Dr, photo 1
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Overview

0 baLand
TypeLand
HOA$120/yr
Lot10,000 sqft

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

About this home

Deed RestrictionsParkPlaygroundSidewalks

8528 Santa Cruz Dr is a home in Port Charlotte Sec 058, Port Charlotte. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $120 annually.

From the listing

Here is the waterfront homesite that takes the hardest part of building off your plate. Located at 8528 Santa Cruz Dr in the sought-after boating community of South Gulf Cove in Port Charlotte, FL (PID 412116357006), this buildable canal lot comes with an 80 FOOT CONCRETE SEAWALL already installed in 2023. That single detail is worth pausing on. A new seawall of this length is an expense that can approach $50,000 in today's market, and beyond the money, sparing you the months of engineering, permitting, marine contractor scheduling, and construction. That work is already finished, permitted, and behind you, so you can move straight to designing your home. The lot spans .23 acres, a full 10,000 square feet, measuring 80 feet of road and canal frontage by 125 feet deep, with public water and public sewer available to build. Zoned RSF-3.5, Charlotte County's residential single-family district, the property is designated for a single-family detached home, which may include an attached guest suite. RSF-3.5 permits building heights up to 38 feet and allowing as much as 4,000 square feet of coverage on a parcel this size, with typical setbacks of 25 feet in front, 7.5 feet on the sides, and 20 feet from the water. That leaves a generous building envelope, with plenty of room for a large home paired with a screened lanai and a pool oasis positioned right along the canal, exactly the kind of layout Florida waterfront living was made for. Buyers should verify exact setbacks and site plan requirements with Charlotte County before finalizing home plans. Adding to the appeal, this property is NOT located in a Scrub Jay review area, and the National Wetland Inventory mapper shows NO wetlands on site. South Gulf Cove is one of Southwest Florida's premier boating communities, built around roughly 55 miles of navigable canals that connect through the community's boat lock system to Charlotte Harbor and on to the Gulf. The community's own South Gulf Cove Park features a public boat ramp, fishing, picnic areas, BBQ grills, and a playground, while San Domingo Park is a short drive away with fishing, a fitness trail, a nature trail, and open green space. The surrounding area delivers just as much. Golfers are spoiled for choice, with Rotonda Golf and Country Club and its five distinct courses, the Palms, Pinemoor, Hills, Links, and Long Marsh, only minutes away, plus many more highly rated courses nearby. The beautiful beaches of Englewood Beach and Boca Grande are roughly 15 to 20 minutes away, and coastal restaurants, grocery stores, and shops for everyday needs are all a short drive from your door. Sports fans have Charlotte Sports Park, spring training home of the Tampa Bay Rays, and CoolToday Park in Wellen Park, spring training home of the Atlanta Braves, both within an easy drive for Spring Training baseball every year. I-75 is approximately 25 to 30 minutes away for easy travel north and south throughout the state, and Fort Myers International Airport (RSW) is roughly an hour away. Contact us today to make this waterfront lot yours.

The essentials

On market
38 days
Annual tax
$2,700
HOA
$120/yr
Flood zone
AE
Lot
10,000 sqft
Type
Land

At a glance

Land
Waterfront
Canal - Brackish
10,000 sqft lot
Lot size

Payment

Est. monthly payment
$1,064/mo
Down payment (20%)
$29,000
Property taxes
$225/mo
HOA
$120/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
10,000 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Canal - Brackish
Days on Market
38
Deed Restrictions
Park
Playground
Sidewalks
Elementary
Myakka River Elementary
Middle
L.A. Ainger Middle
High
Lemon Bay High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$2,700
Parcel #
412116357006

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
Port Charlotte Sec 058
County
Charlotte
MLS Area
33981 - Port Charlotte
Lot Size
10,000 sqft
BuildableFlood Plain/Bottom LandIn CountyRoom For PoolPaved
HOA
$120/yr
South Gulf Cove HOA Inc/ Sheryl Blocklin

Price history

Date
Event
Price
9/1/2026
Listed for sale
Source: Stellar MLS #C7530037
$145,000

Neighborhood

8528 Santa Cruz Dr
Port Charlotte, FL, 33981 · 33981 - Port Charlotte

Calculator

Est. monthly payment
$1,064/mo
Principal & interest$756
Property taxes$225
Insurance$73
HOA$10
Down payment20% · $29,000
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

$145,000

Time on market

38 days

Monthly payment

About $1,064/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,700 annual tax bill, insurance, and the $120/yr HOA fee.

HOA fee

$120/yr

Managed by South Gulf Cove HOA Inc/ Sheryl Blocklin.

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.

Have another question?

Brokered byFIVE STAR REALTY OF CHARLOTTEListing agent: Bob HelphenstineListing data from Stellar MLS, MLS# C7530037.

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