5630 JOSLYN TERRACE, PORT CHARLOTTE, FL, 33981
Active180 days on marketListed Feb 11, 2026MLS #C7521827
About this home
5630 JOSLYN TERRACE
Build your Southwest Florida dream home on this desirable lot located in the waterfront community of Gulf Cove. Nestled in a quiet residential setting, this property offers the perfect balance of privacy and convenience. Gulf Cove is known for its laid-back lifestyle with no mandatory HOA fees, allowing flexibility for homeowners and builders alike. Residents have the option to join the voluntary Gulf Cove Property Owners Association for a nominal annual fee, which provides exclusive access to a private waterfront park and boat ramp on the Myakka River — offering boating access to Charlotte Harbor and the Gulf of Mexico. This location places you just minutes from shopping, dining, medical facilities, Charlotte Sports Park, and a short drive to the beautiful Gulf beaches. With nearby Interstate 75 and multiple regional airports, including Punta Gorda Airport, travel is simple and convenient. Whether you're looking to build now or invest for the future, 5630 Joslyn presents an excellent opportunity in a growing area of Port Charlotte. Secure your piece of paradise today
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 and the real association fee — not generic estimates.
$309 /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
$309/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 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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% 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 5630 JOSLYN TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$220,000
5403 FLEMING STREET · same community
3 bd · 2 ba · 888 sqft · $248/sqft · 214 DOM
Sold · Nov ’25$255,000
5452 MONTEGO LANE · same community
2 bd · 2 ba · 979 sqft · $260/sqft · 271 DOM
Sold · Feb ’26$170,000
5546 MONTEGO LANE · same community
2 bd · 2 ba · 1,001 sqft · $170/sqft · 3 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 5630 JOSLYN TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5630 JOSLYN 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
5630 JOSLYN TERRACE FAQs
What would the monthly payment be for 5630 JOSLYN TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $309/mo — principal and interest, the actual property-tax bill, the $6/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 5630 JOSLYN TERRACE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5630 JOSLYN TERRACE?+
The most recent tax bill on record (2025) was $425. 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 5630 JOSLYN 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 $17,000, this home is listed about 95% below the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 5630 JOSLYN 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
01Under the PORT CHARLOTTE 33981 market on paper
$17,000 is 57% below the PORT CHARLOTTE 33981 median of $39,800.
02Time on market is leverage
180 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $20,000, now $17,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 SUNBELT REALTY · Tara Lawhorn. MLS #C7521827.
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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