10554 Live Oak Rd, photo 1
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Overview

3 bd2 ba1,650 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2022
Lot9,999 sqft
Living area1,650 sqft
Price / sqft$242
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersThermostat

10554 Live Oak Rd is a 2022-built home in Port Charlotte Sec 082, Port Charlotte. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,650 square feet of living space. Listed at $399,990 (about $242/sqft), 32 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

SAILBOAT WATERFRONT HOME IN SOUTH GULF COVE! Welcome to Florida waterfront living! This light, bright, and airy 3/,2/2 is situated on sailboat-accessible waterfront in desirable South Gulf Cove. Inside, you’ll find tile flooring throughout the main living areas and carpeting in the bedrooms for added comfort. The kitchen features upgraded cabinetry, stone countertops, and stainless-steel appliances, creating a stylish and functional space for everyday living or entertaining. An indoor laundry room with a convenient linen closet adds to the home’s functionality. Step outside to beautifully maintained Florida landscaping featuring concrete curbing, decorative gray stone, and lush tropical greenery. But the real highlight is the WATER! Have a Sea-Doo, powerboat, or—better yet—a sailboat? This home is ready for you to enjoy the boating lifestyle. Spend your days on the water, explore the surrounding waterways, or simply relax and enjoy the peaceful Florida waterfront setting. Whether you're searching for a summer retreat, Airbnb opportunity, or your own waterfront Florida getaway, this home offers the space and location to make the most of the Florida lifestyle. Come see why waterfront living in South Gulf Cove could be exactly what you've been looking for!

The essentials

Built
2022
Price / sqft
$242
On market
32 days
Annual tax
$5,214
Flood zone
AE
Lot
9,999 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Waterfront
Brackish Water
2 car garage
9,999 sqft lot
Lot size
1,650 sqft
Living area

Payment

Est. monthly payment
$2,720/mo
Down payment (20%)
$79,998
Property taxes
$434/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
9,999 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Brackish Water, Canal - Brackish, Canal - Freshwater, Canal - Saltwater, Canal Front
Days on Market
32
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Lighting
Rain Gutters
Cooktop
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
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.

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$5,214
Parcel #
412127357003

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 082
County
Charlotte
MLS Area
33981 - Port Charlotte
Lot Size
9,999 sqft
Paved

Price history

Date
Event
Price
9/11/2026
Listed for sale
Source: Stellar MLS #C7530649
$399,990
$242/sqft

Neighborhood

10554 Live Oak Rd
Port Charlotte, FL, 33981 · 33981 - Port Charlotte

Market insights

Offer Insights

Choose an offer strength

List price: $399,990
$382,500 – $399,990
95.7% – 100% of listTops out right at the list price
80% of listList price
232 of the last 462 home closings in 33981 landed at this number or higher (50%). The median one sat 89 days before it went under contract, and this one is on day 32.

Sample: 462 closed home sales in 33981 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,721/mo
Principal & interest$2,086
Property taxes$434
Insurance$200
Down payment20% · $79,998
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%. 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

$399,990

$242 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,650 sq ft

Time on market

32 days

Year built

2022

Monthly payment

About $2,720/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,214 annual tax bill, insurance.

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?

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Brokered byCOLDWELL BANKER SUNSTAR REALTYListing agent: Mary FlynnListing data from Stellar MLS, MLS# C7530649.

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