3522 FOX TERRACE, PORT CHARLOTTE, FL, 33981
Active264 days on marketListed Nov 14, 2025MLS #C7517756
About this home
3522 FOX TERRACE
BRAND NEW SEAWALL JUST COMPLETED. Welcome to a rare slice of waterfront luxury in the highly desired Gulf Cove area, an impeccably maintained 3-bedroom, 2-bathroom pool home situated on stunning oversized 0.44 acre pie-shaped lot. With nearly 56 feet of serene waterfront and located just feet from the Myakka River, this residence offers the ultimate blend of elegance, privacy, and true Florida coastal living. From the moment you arrive, the home’s pristine condition and thoughtful upgrades stand out. A new roof (2018), AC system (2016), and water heater (2016) provide peace of mind, while the home’s elevated positioning and smart site design have contributed to no flooding history. Inside, the 2018 full kitchen renovation showcases beautiful cabinetry, modern finishes, and an effortless flow into the main living spaces. New flooring (2018) carries you throughout the home, adding warmth, style, and continuity. Expansive windows and sliders maximize natural light and frame gorgeous water views from multiple angles. The split-bedroom layout ensures comfort and privacy, while the spacious primary suite enhances the luxury feel with tranquil pool and canal vistas. Step outside to your own private oasis, the sparkling pool is the centerpiece of the outdoor living area, surrounded by a generous screened lanai perfect for relaxing, dining, and entertaining. With an oversized lot, the property delivers exceptional outdoor space rarely found in the community ideal for gardening, extensions, or simply enjoying the added privacy and wide waterfront panorama. Situated just moments from open water, boating and recreation opportunities are endless, and you're only a short drive from shopping, dining, golf courses, and Gulf beaches. Yet the peacefulness of this quiet, established neighborhood makes it feel worlds away. Beautifully updated, meticulously cared for, and positioned on one of the most unique waterfront settings in Port Charlotte, this home is a standout opportunity for those seeking luxury, comfort, and exceptional lifestyle living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,899
Sqft
0.44 ac
Lot size
2
Garage
1988
Year built
One
Levels
$292
Per sqft
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.
$4,562 /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
$4,562/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+16%
$/sqft vs PORT CHARLOTTE SEC 060
$292 vs $327
Days on market
264 vs 59 typical
Where $292/sqft sits among the 22 homes for sale in PORT CHARLOTTE SEC 060
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,064
Median age
62
Median income
$57,533
Median home value
$349,277
Avg household
2
Households w/ children
274
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)
14 of 22
PORT CHARLOTTE SEC 060 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1323% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 3522 FOX TERRACE
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$440,000
3172 JENNINGS BOULEVARD · same community
3 bd · 2 ba · 1,924 sqft · $229/sqft · 5 DOM
Sold · Mar ’26$535,000
3058 CURRY TERRACE · same community
3 bd · 2 ba · 1,851 sqft · $289/sqft · 254 DOM
Sold · Jan ’26$309,000
3182 SORREL STREET · same community
3 bd · 2 ba · 1,700 sqft · $182/sqft · 169 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 3522 FOX TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3522 FOX TERRACE — 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
3522 FOX TERRACE FAQs
What would the monthly payment be for 3522 FOX TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,562/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 3522 FOX TERRACE?+
The most recent tax bill on record (2024) was $10,673. 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 3522 FOX TERRACE?+
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 $555,000, this home is listed about 68% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3522 FOX TERRACE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$555,000 runs 1323% above the PORT CHARLOTTE 33981 median — but at 1,899 sqft it's also 16% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
264 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · Christopher Grant. MLS #C7517756.
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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