15040 SPANISH POINT DRIVE, PORT CHARLOTTE, FL, 33981
Active19 days on marketListed Jul 17, 2026MLS #C7528523
About this home
15040 SPANISH POINT DRIVE
Welcome to waterfront living in the highly sought-after Harbor West community! This beautifully maintained 4-bedroom, 2.5-bath home offers the perfect blend of luxury, comfort, and boating convenience. Designed with both everyday living and entertaining in mind, the spacious floor plan flows seamlessly to the outdoor living area where you'll find a private screened pool overlooking the canal. Step outside to your private dock with quick Gulf access—located just minutes from the lock, making it easy to spend more time on the water and less time navigating canals. The oversized 3-car garage provides plenty of room for vehicles, golf carts, and all of your boating and fishing gear. Whether you're looking for a full-time residence, seasonal retreat, or waterfront investment, this home delivers the Florida lifestyle of your dreams. Enjoy peaceful water views, easy boating access, and all the benefits of living in Harbor West, one of the area's premier waterfront communities. Schedule your private showing today and discover why this exceptional home stands out from the rest!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,349
Sqft
0.32 ac
Lot size
3
Garage
2019
Year built
One
Levels
$361
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.
$6,188 /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
$6,188/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
+18.7%
$/sqft vs HARBOR WEST
$361 vs $300
Days on market
19 vs 59 typical
Where $361/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)
5 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 2077% 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 15040 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 15040 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 15040 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
15040 SPANISH POINT DRIVE FAQs
What would the monthly payment be for 15040 SPANISH POINT DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,188/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 15040 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 15040 SPANISH POINT DRIVE?+
The most recent tax bill on record (2025) was $10,283. 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 15040 SPANISH POINT DRIVE?+
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 $849,000, this home is listed about 157% 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 15040 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.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Royce Rittinger. MLS #C7528523.
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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