5290 NEVILLE TERRACE, PORT CHARLOTTE, FL, 33981
Pending187 days on marketListed Feb 7, 2026MLS #D6146029
About this home
5290 NEVILLE TERRACE
ATTENTION BOATERS AND FISHERMEN! If you're looking for the ULTIMATE in Paradise Waterfront Living with DIRECT ACCESS TO THE MYAKKA RIVER AND THE OPEN WATERS OF THE GULF OF MEXICO, look no further!! Enjoy this beautifully remodeled, TURNKEY FURNISHED, 3 BEDROOM, 2 BATHROOM home in the quaint waterfront community of Gulf Cove in Port Charlotte, FL! Inside, you'll find many updates throughout, including new paint, MARBLE countertops in the kitchen, LUXURY VINYL PLANK flooring throughout (except in the laundry room), new STAINLESS-STEEL APPLIANCES, (2023), new BATHROOM VANITIES, new FURNITURE in the living room and primary bedroom, new KING bed and dresser in Bedroom 2, and new TWIN bed in Bedroom 3. BIG TICKET items you won't have to worry about replacing for many years include a NEW ROOF (2023), NEW A/C (2021), ALL NEW A/C DUCTWORK (2023), NEW WATER HEATER (2026). Let's go OUTSIDE... The Sellers have done an exterior refresh so you won't have to - pressure washed the whole house, driveway, and all decorative boulders; freshly painted the whole house exterior; freshly painted the front porch floor, the carport driveway, and the back screened-in patio floor. From your SPACIOUS, Screened-In back patio with NEW SLIDING GLASS DOOR (2023), you might spot aquatic sealife frolicking around in the canal while enjoying your morning coffee, or evening dinner and cocktails. You can also enjoy this peaceful view from your DOCK, complete with NEW PRESSURE TREATED WOOD (2023). For extra storage space, the home includes a large shed in the back yard - great for boating and fishing gear. Want to EXPAND YOUR OUTDOOR OASIS? There's plenty of room to add a pool and increase the size of the patio - making it the perfect spot for parties and entertaining! For a SMALL ANNUAL FEE of just $75.00, residents who live in Gulf Cove, and their guests, can enjoy their own PRIVATE PARK, offering a private boat ramp, picnic pavilion and tables, grills, a playground, and year-round community events, enhancing your waterfront lifestyle. In addition, you'll be just a few minutes drive from Spring Training Sports Parks (Port Charlotte & North Port), dining, shopping, beautiful beaches, medical facilities, WORLD CLASS FISHING, and NUMEROUS CHALLENGING GOLF COURSES. It's approximately a 40 minute drive to the Punta Gorda Airport, an hour's drive to Fort Myers and Sarasota Airports, and approximately 2 hours to the Tampa Airport. This lovely home offers the perfect blend of relaxation, recreation, and waterfront living. Why not start Living the Florida Lifestyle by calling to schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,328
Sqft
0.23 ac
Lot size
1973
Year built
One
Levels
$226
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.
$2,543 /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
$2,543/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
+16.2%
$/sqft vs PORT CHARLOTTE SEC 054
$226 vs $328
Days on market
187 vs 60 typical
Where $226/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)
2 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 669% 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 5290 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$259,944
5214 NORLANDER DRIVE · same community
2 bd · 2 ba · 1,340 sqft · $194/sqft · 224 DOM
Sold · Feb ’26$375,000
5251 EARLY TERRACE · same community
3 bd · 2 ba · 1,352 sqft · $277/sqft · 8 DOM
Sold · Feb ’26$470,000
5194 COOPER TERRACE · same community
2 bd · 2 ba · 1,516 sqft · $310/sqft · 244 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 5290 NEVILLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5290 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
5290 NEVILLE TERRACE FAQs
What would the monthly payment be for 5290 NEVILLE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,543/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 5290 NEVILLE TERRACE?+
The most recent tax bill on record (2025) was $5,817. 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 5290 NEVILLE TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $299,900, this home is listed about 9% below the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5290 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.
The brief
Four things that matter here
01Positioned at the premium end
$299,900 runs 669% above the PORT CHARLOTTE 33981 median.
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
187 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $359,900, now $299,900 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TALL PINES REALTY · Diane Batista. MLS #D6146029.
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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