8278 AGATE STREET, PORT CHARLOTTE, FL, 33981
Active42 days on marketListed Jun 25, 2026MLS #A4698096
About this home
8278 AGATE STREET
Beautiful canal-front lot in the peaceful South Gulf Cove community of Port Charlotte. This ready-to-build waterfront parcel offers canal access — the perfect setting for your dream home with boating right from your backyard. Just 15 minutes from the beautiful Gulf beaches, this lot combines tranquil living with easy access to everything Port Charlotte has to offer, including shopping, dining, entertainment, and more. Enjoy world-class fishing, championship golf courses, scenic rivers, and an active Southwest Florida lifestyle right at your fingertips.
Facts & features
The home at a glance
0.23 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$441 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$441/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 8278 AGATE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$380,000
9529 CALUMET BOULEVARD · same community
3 bd · 2 ba · 1,622 sqft · $234/sqft · 291 DOM
Sold · Dec ’25$445,000
8058 DIMSTEAD STREET · same community
3 bd · 2 ba · 1,636 sqft · $272/sqft · 22 DOM
Sold · Dec ’25$315,000
8186 DION STREET · same community
3 bd · 2 ba · 1,640 sqft · $192/sqft · 13 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8278 AGATE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8278 AGATE STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
8278 AGATE STREET FAQs
What would the monthly payment be for 8278 AGATE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $441/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 8278 AGATE STREET?+
The most recent tax bill on record (2025) was $939. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 8278 AGATE STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $32,000, this home is listed about 90% below the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.
Which schools are assigned to 8278 AGATE STREET?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LUXURA HOME REALTY LLC · Agnesa Margitich. MLS #A4698096.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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