5220 ANDERSON ROAD, PORT CHARLOTTE, FL, 33981
Active43 days on marketListed Jun 23, 2026MLS #C7527503
About this home
5220 ANDERSON ROAD
Virtually Staged. Unique Private Home on Double Lot in Quiet Gulf Cove Welcome to 5220 Anderson Rd, a unique home in the highly desirable Gulf Cove community — offering rare privacy, and located on a double lot! As a Gulf Cove property owner, you have access to the private community boat ramp and waterfront park on the Myakka River. Launch your boat or kayak and enjoy access to Charlotte Harbor and the Gulf of Mexico in just 5 minutes and a one-mile drive from the house! This home is in an X flood zone so no flood insurance is required! This sweet home has been updated with a new metal roof, a new energy efficient AC system, new premium luxury vinyl plank flooring and a new pool fence, all installed in 2023. The living room is cozy with vaulted ceilings. The eat-in kitchen is spacious with beautiful wood cabinets, a vaulted ceiling, and it flows directly into a spacious family or dining room. There are two bedrooms on the main floor each with its own private bathroom and one with a jetted tub. Off of the family/dining room is a lovely balcony overlooking the inground pool. Great for sitting out on at night to star gaze or just to enjoy your morning coffee. The unfinished ground level has a carport for your vehicle and tons potential for whatever your imagination desires (extra bedroom, pool side lanai, game room). The inground pool is surrounded by decorative stones and is directly below the balcony accessible by stairs. The new black rod iron fence surrounding the pool looks elegant in a stunning yard that has mature plantings, flowers, and flowering shrubs. There is even a concrete pad for your boat, RV or both! This house is located in a prime location and is minutes to shopping, dining, and medical facilities. It is a short drive to Englewood Beach and Boca Grande, and has easy access to SR-776 and US-41.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,284
Sqft
0.46 ac
Lot size
2001
Year built
Two
Levels
$256
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.
$2,634 /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
$2,634/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
−1.1%
$/sqft vs PORT CHARLOTTE SEC 053
$256 vs $187
Days on market
43 vs 59 typical
Where $256/sqft sits among the 7 homes for sale in PORT CHARLOTTE SEC 053
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)
4 of 7
PORT CHARLOTTE SEC 053 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 738% 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 5220 ANDERSON ROAD
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$264,900
5473 COLFAX TERRACE · same community
3 bd · 2 ba · 1,270 sqft · $209/sqft · 590 DOM
Sold · Apr ’26$312,000
5471 GRAVES TERRACE · same community
2 bd · 2 ba · 1,243 sqft · $251/sqft · 28 DOM
Sold · Aug ’26$240,000
5442 GUIDEPOST TERRACE · same community
3 bd · 2 ba · 1,367 sqft · $176/sqft · 71 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 5220 ANDERSON ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5220 ANDERSON ROAD — 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
5220 ANDERSON ROAD FAQs
What would the monthly payment be for 5220 ANDERSON ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,634/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 5220 ANDERSON ROAD?+
The most recent tax bill on record (2025) was $4,702. 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 5220 ANDERSON ROAD?+
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 $329,000, this home is priced right at the Port Charlotte median.
Which schools are assigned to 5220 ANDERSON ROAD?+
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
$329,000 runs 738% above the PORT CHARLOTTE 33981 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $369,000, now $329,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · Christopher Grant. MLS #C7527503.
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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