15080 SPANISH POINT DRIVE, PORT CHARLOTTE, FL, 33981
Active197 days on marketListed Jan 21, 2026MLS #C7519611
About this home
15080 SPANISH POINT DRIVE
SAILBOAT ACCESS WATERFRONT PROPERTY within the desirable gated community Harbor West. This stunning 4 bedroom 2.5 bath home sits proudly on a 19,964 sqft Tip Lot that offers breathtaking panoramic water views and many potentials. An impressive 165 feet of water frontage wraps around the property with ample space for a dock. This expansive lot is the closest lot to the South Gulf Cove Lock. You gain quick access to open water saving time and money each time you go for boating adventures. Boating enthusiasts will absolutely adore this specific unique location. The residence spans 2345 sqft under air living space. Step inside the foyer and you will be amazed by the 12 foot glass sliders framing the sparkling heated pool with its bubbling spa and the magnificent water views. A “pool child-fence” is included for pool safety for young children and pets. The home is tiled throughout for easy maintenance. The crown moulding and tray ceilings are a nice luxury touch. The gourmet kitchen is a chef's dream that features high-end appliances and granite countertops. The large granite island can comfortably seat 8 and become the hub for family meals and gatherings. There is also a formal dining area for special occasions. The home is equipped with modern photovoltaic panels to minimize energy costs. Water quality is taken very seriously with a whole house water softener, a UV sanitizer and a reverse osmosis system in the kitchen. The split floor plan ensures maximum privacy for all residents and guests. One of the guest rooms connects to the lanai and pool through the convenient powder room. The fourth bedroom can serve as a bedroom, music room or study. The primary bedroom is a true sanctuary that can be closed off from the rest of the home. This design ensures peace and quiet from the living areas. From the primary bedroom you can access directly to the pool for a refreshing morning or evening swim. A large walk-in closet awaits you with plenty of storage space. The adjoining primary bathroom is spacious and features a luxurious soaking tub and a separate walk-in shower. The spacious 3-car garage with a durable epoxy coated floor offers ample space for all your ‘toys’. The lanai is perfect for entertaining. Enjoy the Florida sun by the pool, watch boats pass by and the abundant wildlife. You can also enjoy fishing and crabbing from your backyard. Harbor West is a gated community giving privacy and security with very competitive HOA fees. This is a rare real estate opportunity that combines luxury with functionality. Make this waterfront dream home yours. Please call for a private viewing.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,345
Sqft
0.46 ac
Lot size
3
Garage
2019
Year built
One
Levels
$380
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 and the real association fee — not generic estimates.
$6,172 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,172/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+24.8%
$/sqft vs HARBOR WEST
$380 vs $300
Days on market
197 vs 59 typical
Where $380/sqft sits among the 10 homes for sale in HARBOR WEST
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 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)
4 of 10
HARBOR WEST have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2168% 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 15080 SPANISH POINT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$860,000
14556 GASPAR LOOP · same community
3 bd · 2.5 ba · 2,357 sqft · $365/sqft · 408 DOM
Sold · Sep ’25$950,000
15176 SPANISH POINT DRIVE · same community
4 bd · 2.5 ba · 2,360 sqft · $403/sqft · 107 DOM
Sold · Mar ’26$377,500
14573 PONCE DE LEON TRAIL · same community
4 bd · 3 ba · 2,217 sqft · $170/sqft · 117 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 15080 SPANISH POINT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15080 SPANISH POINT DRIVE — 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
15080 SPANISH POINT DRIVE FAQs
What would the monthly payment be for 15080 SPANISH POINT DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,172/mo — principal and interest, the actual property-tax bill, the $272/mo association fee 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.
How much are the HOA fees at 15080 SPANISH POINT DRIVE?+
The association fee works out to $272 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15080 SPANISH POINT DRIVE?+
The most recent tax bill on record (2025) was $7,240. 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 15080 SPANISH POINT DRIVE?+
The listing reports pets: Breed Restrictions. 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 $890,000, this home is listed about 168% above the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.
Which schools are assigned to 15080 SPANISH POINT DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$890,000 runs 2168% above the PORT CHARLOTTE 33981 median — but at 2,345 sqft it's also 43% 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
197 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,030,000, now $890,000 — a $140K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Yi Jiang. MLS #C7519611.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 15080 SPANISH POINT DRIVE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →