8528 Santa Cruz Drive, FL
Stellar MLS
1 / 1

$129,000

8528 Santa Cruz DrivePort Charlotte, FL 33981

Listing updated: October 20, 2026 at 4:18 PM ET

Active
Stellar MLSListing courtesy of Five Star Realty Of Charlotte · Bob Helphenstine · MLS #C7530037 · Active · 941-637-6116
0
Baths
0.23
Acres
◆Waterfront◆Water access◆$13/sqft◆360° tour
Land

Property type

10,000 sqft

Lot size

$13

Price / sq ft

$10/mo

HOA dues

357

Days on market

AE

Flood zone

About this home

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, 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.

Estimated monthly payment

Principal & interest$652
Property taxes$225
Home insurance (est.)$59
HOA dues$10

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 history357 days on market

  1. Status: Active
    Sep 3, 2026
  2. Listed$145,000
    Sep 2, 2026
  3. Price reduced$129,000

Facts & features

Property type
Land
Status
Active
Days on market
357
Cumulative DOM
357
Subdivision
Port Charlotte Sec 058
County
Charlotte
Price/sq ft
$13
Lot size
10,000 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12015C0213G)
Annual taxes
$2,700 (2025)
Parcel #
412116357006
Zoning
RSF3.5
MLS #
C7530037

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Interior Details

Direction faces
Northwest

HOA & Financial

HOA fee
$120 / Annually
Monthly HOA
$10/mo
Total monthly fees
$10/mo
Total annual fees
$120
HOA name
South Gulf Cove HOA Inc/ Sheryl Blocklin
Listing terms
Cash, Conventional
Ownership
Fee Simple

Exterior & Construction

Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt

Utilities

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

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.

Listing Details

Listing date
2026-09-01
On market date
2026-09-02
Original list price
$145,000
MLS area
33981 - Port Charlotte
Listing AOR
Port Charlotte
Status changed
2026-09-03
Tax legal description
PCH 058 4213 0046 PORT CHARLOTTE SEC58 BLK4213 LT 46 1314/23 1506/1472 2093/532 2149/348 2752/678 2752/680 2752/683 2752/675 3721/2063 4952/1597

Flood risk

High riskFEMA Zone AEPanel 12015C0213G

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

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

Location

Directions

From Port Charlotte on 776 heading towards Englewood, Turn LEFT on Gasparilla Rd, Turn LEFT on Ingraham Blvd, Turn LEFT on Santa Cruz Dr, property will be on the RIGHT. Look for sign. 8528 Santa Cruz Dr

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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 20, 2026 at 4:18 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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