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Overview

3 bd2 ba1,532 sqft4 car garageSingle Family
TypeSingle Family
HOANone listed
Built1988
Lot19,865 sqft
Living area1,532 sqft
Price / sqft$392
Garage4 car

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

About this home

Built-in FeaturesCeiling Fans(s)Dry BarEat-in KitchenHigh CeilingsSolid Surface CountersSolid Wood CabinetsSplit Bedroom

5105 Ackley Ter is a 1988-built home in Port Charlotte Sec 054, Port Charlotte. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,532 square feet of living space. Listed at $599,900 (about $392/sqft), 10 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Virtually Staged. Waterfront Gulf Cove Pool Home on Two Lots with a Detached Two-Bay Garage and Workshop, Sailboat Water, and Direct Myakka River Access and the Gulf Beyond! This unique property includes the home on one lot and a detached garage with workshop on the adjoining lot, providing plenty of space for boats, RVs, vehicles, storage, or hobbies. Located on a sailboat canal with no fixed bridges, you'll enjoy direct access to the Myakka River, Charlotte Harbor, and the Gulf of Mexico. Mature landscaping, a concrete and partially paver driveway, rain gutters, and an attached two-car garage welcome you home. Inside, the open floor plan features vaulted ceilings, tile flooring throughout, a living room, and a separate family room with built-in shelving, a dry bar, and sliding glass doors to the lanai. The remodeled kitchen features white soft-close cabinetry, stone countertops, a breakfast bar, additional contrasting cabinetry, and a pass-through window to the lanai. The dining area also opens to the lanai through sliding glass doors. The primary bedroom offers direct access to the lanai, a walk-in closet, and an updated bathroom with a walk-in shower, while two guest bedrooms share a guest bathroom with a tub/shower combination and skylight. An interior laundry room includes built-in shelving and a utility sink. The covered and newly rescreened and caged lanai overlooks the resurfaced pool, tropical landscaping, and canal. A composite dock provides direct boating access and is modifiable to accommodate a future boat lift for the ultimate in waterfront living. An outdoor shower adds convenience after a day on the water. Additional features include the detached 2021 garage and workshop with an 18'x30' garage bay, a 12'x21' garage bay, and a separate 26'x18' workshop, providing exceptional flexibility for boats, RVs, vehicles, storage, or projects. Additional improvements include a 2020 roof on the home, 2024 HVAC system, an upgraded electrical panel with a 50-amp RV hookup, hurricane shutters, a reinforced garage door, and R-30 insulation. Located at 5105 Ackley Terrace in the waterfront community of Gulf Cove, residents enjoy access to a voluntary community boat ramp and park while being just minutes from Englewood's restaurants, shopping, golf courses, and medical facilities. Beautiful Gulf beaches on Manasota Key and Boca Grande are just a short drive away, offering boating, fishing, shelling, paddleboarding, waterfront dining, and spectacular Southwest Florida sunsets.

The essentials

Built
1988
Price / sqft
$392
On market
79 days
Annual tax
$7,935
Flood zone
AE
Lot
19,865 sqft
Type
Single Family Residence

At a glance

Single family
Built 1988
Waterfront
Canal - Brackish
Private pool
Gunite
4 car garage
Boat
0.46 acres
Lot size

Payment

Est. monthly payment
$4,090/mo
Down payment (20%)
$119,980
Property taxes
$661/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1988
Lot
19,865 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Boat, Driveway, Garage Door Opener, Oversized, RV Garage, RV Access/Parking, Workshop in Garage
Pool
Gunite, In Ground, Screen Enclosure
Waterfront
Canal - Brackish
Days on Market
79
Built-in Features
Ceiling Fans(s)
Dry Bar
Eat-in Kitchen
High Ceilings
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Lighting
Outdoor Shower
Rain Gutters
Sliding Doors
Storage
Park
Playground
Dishwasher
Dryer
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.

Flood Zone AE
Annual Tax (2025)
$7,935
Parcel #
402132206010

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 054
County
Charlotte
MLS Area
33981 - Port Charlotte
Lot Size
19,865 sqft
In CountyLandscapedNear Golf CourseNear MarinaOversized LotPaved

Price history

Date
Event
Price
7/22/2026
Listed for sale
Source: Stellar MLS #D6148160
$599,900
$392/sqft

Neighborhood

5105 Ackley Ter
Port Charlotte, FL, 33981 · 33981 - Port Charlotte

Market insights

Offer Insights

Choose an offer strength

List price: $599,900
$575,000 – $599,900
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 79.

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
$4,090/mo
Principal & interest$3,129
Property taxes$661
Insurance$300
Down payment20% · $119,980
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

$599,900

$392 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,532 sq ft

Time on market

79 days

Year built

1988

Monthly payment

About $4,090/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,935 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?

Have another question?

Brokered byRE/MAX ALLIANCE GROUPListing agent: Carla Stiver, PAListing data from Stellar MLS, MLS# D6148160.

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