5226 NEVILLE TERRACE, PORT CHARLOTTE, FL, 33981
Active19 days on marketListed Jul 23, 2026MLS #C7528697
About this home
5226 NEVILLE TERRACE
WATERFRONT LIVING WITH NO BRIDGES! Enjoy deep-water access to the Myakka River in less than a minute, with easy boating to Charlotte Harbor and the Gulf of America. This boater's paradise features a composite dock, a lower landing dock (installed in April 2021) and a 10,000-lb covered boatlift with remote control, also installed in April 2021. This 3-bedroom, 2-bath home with an attached garage is ready for your personal touches. Major updates include a new roof, replacement of half the seawall (2024), water heater (2024) and garage door with opener (2019), along with the A/C system (2019). Currently operated as an Airbnb, this home offers excellent investment potential or can be enjoyed as your own waterfront retreat. Step through the front door into the spacious great room and dining area, where sliding glass doors open to a 24' x 11' screened lanai overlooking the backyard and canal. The split floor plan provides privacy while the kitchen features granite countertops, black stainless-steel appliances, abundant cabinetry, and a pantry. The primary bedroom is privately situated with a bathroom adjacent, while two additional bedrooms and a guest bath are located on the opposite side of the home. Whether you're searching for a full-time residence, vacation getaway, or income-producing property, this home offers the ideal combination of waterfront lifestyle, boating convenience, and exceptional value. Conveniently located near shopping, dining, golf, entertainment, and the Gulf beaches with their beautiful sunsets on the water, come and enjoy all that Southwest Florida has to offer. This property combines everyday Conveniences with an exceptional waterfront lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,686
Sqft
0.23 ac
Lot size
1
Garage
1980
Year built
One
Levels
$255
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.
$3,533 /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
$3,533/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
+33.8%
$/sqft vs PORT CHARLOTTE SEC 054
$255 vs $328
Days on market
19 vs 60 typical
Where $255/sqft sits among the 7 homes for sale in PORT CHARLOTTE SEC 054
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)
3 of 7
PORT CHARLOTTE SEC 054 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 989% 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 5226 NEVILLE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$395,000
5266 COOPER TERRACE · same community
3 bd · 2 ba · 1,683 sqft · $235/sqft · 106 DOM
Sold · Mar ’26$441,500
5485 DAVID BOULEVARD · same community
3 bd · 2 ba · 1,679 sqft · $263/sqft · 3 DOM
Sold · May ’26$335,000
6037 DAVID BOULEVARD · same community
3 bd · 2 ba · 1,698 sqft · $197/sqft · 49 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 5226 NEVILLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5226 NEVILLE 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
5226 NEVILLE TERRACE FAQs
What would the monthly payment be for 5226 NEVILLE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,533/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 5226 NEVILLE 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 5226 NEVILLE TERRACE?+
The most recent tax bill on record (2025) was $7,747. 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 5226 NEVILLE TERRACE?+
The listing reports pets: Number Limit. 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 $430,000, this home is listed about 30% above the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.
Which schools are assigned to 5226 NEVILLE 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 SUNBELT REALTY · Paula McCarthy. MLS #C7528697.
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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