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$684,999

10535 Aztec RoadPort Charlotte, FL 33981

Listing updated: October 10, 2026 at 2:47 PM ET

Active

Listing courtesy of Finehirsh Realty Powered By Sellstate · Tiffany Mullin · MLS #W7887978 · Active · 860-234-2983

Beds

Baths

1,929

Sq Ft

0.51

Acres

1997

Built

◆Waterfront◆Water access◆Private pool◆$355/sqft◆360° tour

Single Family Residence

Property type

1997

Year built

22,146 sqft

Lot size

$355

Price / sq ft

$10/mo

HOA dues

Days on market

Garage spaces

8AE

Flood zone

About this home

RARE SOUTH GULF COVE WATERFRONT OPPORTUNITY — OVER 1/2 ACRE • APPROX. 178 FT OF WATERFRONT • SAILBOAT WATER • NO FIXED BRIDGES • PRESERVE VIEWS! This is not your typical canal-front home. Situated on an oversized 0.51-acre tip lot, this 3-bedroom, 2-bath pool home offers a hard-to-find combination of WATERFRONT, LAND, BOATING ACCESS AND PRIVACY. Boaters will appreciate approximately 178 feet of waterfront, SAILBOAT WATER, NO FIXED BRIDGES and a motorized boat lift with lift motors replaced in July 2026. Navigate South Gulf Cove’s canal system toward Charlotte Harbor and the Gulf while keeping your boat right in your own backyard. Just as impressive is the setting. Peaceful preserve land sits across the canal, providing the added privacy of NO HOMES DIRECTLY ACROSS THE WATER and creating an open, quiet waterfront view. Outdoor living takes center stage with a screened lanai overlooking the canal, saltwater pool heated by OWNED SOLAR PANELS, separate hot tub and outdoor kitchen. Mature tropical landscaping includes fruit-bearing banana, mango and coconut trees. Inside, 1,929 square feet offers a split-bedroom floor plan, vaulted ceilings, walk-in closets and an oversized primary suite. Major improvements include a 2022 roof with 130-MPH wind-rated shingles, impact windows and doors (2024), accordion hurricane protection enclosing the lanai, HVAC (2020), water heater (2024), fresh exterior paint and a variable-speed pool pump installed July 2026. Most furniture and select furnishings will convey with the sale of the home, including the XL flat-screen TV in the living room. Whether you’re searching for a full-time waterfront residence or seasonal Florida retreat, opportunities combining OVER 1/2 ACRE, approximately 178 feet of waterfront, no fixed bridges and preserve views are difficult to replicate. If you’ve been waiting for a South Gulf Cove home with ROOM TO BREATHE, SERIOUS BOATING ACCESS AND WATERFRONT PRIVACY, this is one you’ll want to see in person.

Estimated monthly payment

Principal & interest$3,464

Property taxes$550

Home insurance (est.)$314

HOA dues$10

Down payment

20%

$137,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history77 days on market

Status: Active
Jul 26, 2026
Listed$699,900
Jul 25, 2026
Price reduced$684,999

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 77
Subdivision: Port Charlotte Sec 82
County: Charlotte
Year built: 1997
Living area: 1,929 sq ft
Price/sq ft: $355
Building area: 2,571 sq ft (Public Records)
Lot size: 22,146 sq ft
Lot category: 1/2 to less than 1
Flood zone: 8AE
Garage: 2 spaces
Pool: Private pool
Annual taxes: $6,606 (2025)
Parcel #: 412127478020
Zoning: RSF3.5
MLS #: W7887978

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Interior Details

Bedrooms: 3
Full bathrooms: 2
Flooring: Carpet, Ceramic Tile
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Range Hood, Refrigerator, Washer
Interior features: Cathedral Ceiling(s), Ceiling Fans(s), High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
Laundry: Laundry Room
Stories / Levels: One
Direction faces: North

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Garage Door Opener

HOA & Financial

HOA fee: $120 / Annually
Monthly HOA: $10/mo
Total monthly fees: $10/mo
Total annual fees: $120
CDD: No
Homestead exemption: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Buyer and Buyers Agent shall Verify Lease Information/Restrictions

Exterior & Construction

Exterior features: Outdoor Grill, Outdoor Kitchen
Construction materials: Block, Stucco
Roof: Shingle
Foundation: Slab
Pool: Private pool
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: BB/HS Internet Available, Cable Available, Electricity Connected

Community

Pets allowed: Yes

Schools

ElementaryMyakka River ElementaryGreatSchools ↗

MiddleL.A. Ainger MiddleGreatSchools ↗

High SchoolLemon Bay HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Bedroom 2	First	12x16
Bedroom 3	First	14x14
Dining Room	First	8x11
Kitchen	First	13x10
Living Room	First	15x18
Primary Bedroom	First	16x25
Laundry	First	6x8

Listing Details

Listing date: 2026-07-24
On market date: 2026-07-25
Original list price: $699,900
Occupant type: Vacant
MLS area: 33981 - Port Charlotte
Listing AOR: Suncoast Tampa
Status changed: 2026-07-26
Tax legal description: PORT CHARLOTTE SEC82 BLK4469 LT 24 555/1861 DC972/1999 972/2000 1145/ 997

Flood risk

Zone 8AEFEMA Zone 8AE

See FEMA for this zone’s designation and insurance requirements.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

SR 776 to Gasparilla Rd (CR 771), south to San Domingo Blvd, east to Aztec Rd, then to 10535 Aztec Rd.

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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.

Based on information submitted to the MLS GRID as of October 10, 2026 at 2:47 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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