9214 MELODY CIRCLE, PORT CHARLOTTE, FL, 33981
Active146 days on marketListed Mar 12, 2026MLS #D6146581
About this home
9214 MELODY CIRCLE
Luxury Waterfront Living in South Gulf Cove – Custom 3BR/3BA Pool Home Experience the very best of Florida waterfront living in this stunning 3-bedroom, 3-bathroom canal-front pool home located on the peaceful Zephyr Waterway in highly desirable South Gulf Cove. Built just three and a half years ago by Turn Key Custom Homes, this immaculate residence blends modern luxury, thoughtful design, and effortless indoor-outdoor living. From the moment you arrive, the home’s beautiful paver patio and welcoming front entrance set the tone. Step inside and you’ll immediately be impressed by soaring 12-foot ceilings, elegant crown molding, and breathtaking water views framed by expansive 10-foot impact-resistant sliding glass doors that open seamlessly to the lanai. A Private Outdoor Paradise The spacious lanai is designed for both relaxation and entertaining. One side features a comfortable sitting area with a cozy electric fireplace, while the other boasts a fully equipped outdoor kitchen, perfect for hosting family and friends. Enjoy Florida’s sunshine in the heated pool, complete with a tranquil waterfall feature and whole-home Sonos surround sound system creating the perfect atmosphere. For true waterfront living, a paver patio spans the entire 80-foot seawall, offering the perfect place to relax by the canal, fish from the dock, or watch boats glide by. Spacious and Elegant Interior The luxurious master suite serves as a private retreat, featuring a large walk-in closet, dual vanities, and a spa-like Roman shower. The chef’s kitchen is both stylish and functional with abundant cabinetry, an oversized 8-foot island, and a massive walk-in pantry ideal for storage and entertaining. Each guest bedroom is generously sized and includes its own en-suite bathroom, offering privacy and comfort for visitors. Bedroom three also includes a spacious walk-in closet. Exceptional Garage & Storm Protection The oversized garage is a dream for hobbyists and enthusiasts, offering 28 feet of depth, 12-foot ceilings, and extensive built-in storage shelving—perfect for vehicles, tools, and recreational equipment. Designed with Florida living in mind, the home also includes hurricane-ready features, such as steel electric roll-down shutters for the lanai and front entry. A full canal and city water irrigation system keeps the landscaping lush year-round. Your Waterfront Paradise Awaits With its combination of modern luxury, exceptional outdoor living, and peaceful canal views, this beautiful South Gulf Cove home offers the ultimate Florida lifestyle. Don’t miss your opportunity to own this slice of waterfront paradise.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,432
Sqft
0.25 ac
Lot size
3
Garage
2022
Year built
One
Levels
$411
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.
$7,004 /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
$7,004/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
+32.8%
$/sqft vs SOUTH GULF COVE
$411 vs $270
Days on market
146 vs 59 typical
Where $411/sqft sits among the 15 homes for sale in SOUTH GULF COVE
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)
10 of 15
SOUTH GULF COVE have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2464% 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 9214 MELODY CIRCLE
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$415,000
9477 ARNAZ CIRCLE · same community
4 bd · 3 ba · 2,301 sqft · $180/sqft · 53 DOM
Sold · Sep ’25$400,000
14146 BARACOA LANE · same community
4 bd · 3 ba · 2,265 sqft · $177/sqft · 236 DOM
Sold · Aug ’25$400,000
14154 BARACOA LANE · same community
4 bd · 3 ba · 2,265 sqft · $177/sqft · 0 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 9214 MELODY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9214 MELODY CIRCLE — 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
9214 MELODY CIRCLE FAQs
What would the monthly payment be for 9214 MELODY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,004/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 9214 MELODY CIRCLE?+
The most recent tax bill on record (2025) was $12,896. 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 9214 MELODY CIRCLE?+
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 $999,800, this home is listed about 201% above the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.
Which schools are assigned to 9214 MELODY CIRCLE?+
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
$999,800 runs 2464% above the PORT CHARLOTTE 33981 median — but at 2,432 sqft it's also 48% larger than the typical Port Charlotte listing.
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
146 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of TALL PINES REALTY · Jeremy Jones. MLS #D6146581.
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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