9404 SPRING CIRCLE, PORT CHARLOTTE, FL, 33981
Active35 days on marketListed Jun 19, 2026MLS #D6147832
About this home
9404 SPRING CIRCLE
Paradise Found on Spring Circle in beautiful South Gulf Cove. This waterfront 2-bedroom, 2.5-bath home with a bonus room and office offers the Florida lifestyle boaters dream about. Located just off the main Zephyr Waterway with only one bridge to the lagoon, this home provides quick access to the lock, Charlotte Harbor, and some of the best boating, fishing, beaches, and waterfront dining in Charlotte County. Inside, you’ll find an open-concept Florida layout designed for comfort and easy entertaining. The home features tile throughout most living areas, elegant coffered ceilings, a breakfast area with custom cabinetry to match the kitchen, and a formal dining room for special gatherings. The chef’s kitchen is a true standout with KitchenAid stainless steel appliances, a gas cooktop and vent hood, double wall ovens, built-in microwave, generous cabinet storage, and a stylish bar area with wine refrigerator. A Samsung washer and dryer add even more everyday convenience. The spacious carpeted primary suite offers water views, lanai access, a coffered ceiling, and a beautifully appointed bath with dual granite-topped sink areas, including a makeup station, abundant storage, a garden soaking tub, and a walk-through tiled shower. The guest bedroom is also carpeted, enjoys water views, and is conveniently located near the guest bath. The additional half bath adds extra convenience for visitors. The bonus room, attached to the garage, provides flexible space for hobbies, storage, fitness, crafts, or whatever suits your needs. The outdoor living area is simply exceptional. Relax or entertain around the heated pool, enjoy the 7-person HotSpring spa on the lanai, or gather at the built-in outdoor bar featuring a Bull drop-in grill, hood, wet bar, ample storage, and a gorgeous planked wood ceiling. Hurricane roll-down screens provide added protection and comfort, while the fenced yard, irrigation system, and 7-camera setup add function, security, and peace of mind. Boaters will love the huge 38 x 6 walk-around dock with a Neptune boat lift, water, and electric already in place. There is plenty of room to fish, lounge, launch your next adventure, or simply take in the peaceful water views. With a short ride to the lock and Charlotte Harbor, this South Gulf Cove waterfront home truly captures the best of boating, fishing, relaxing, and entertaining.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,338
Sqft
0.23 ac
Lot size
3
Garage
2019
Year built
One
Levels
$299
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.
$4,274 /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
$4,274/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.
$/sqft vs PORT CHARLOTTE SEC 081
$299 vs $294
Days on market
35 vs 56 typical
Where $299/sqft sits among the 36 homes for sale in PORT CHARLOTTE SEC 081
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 → $301K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
18 of 36
PORT CHARLOTTE SEC 081 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1648% 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 9404 SPRING CIRCLE
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$600,000
9317 SAINT PAUL DRIVE · same community
3 bd · 3 ba · 2,336 sqft · $257/sqft · 102 DOM
Sold · Sep ’25$585,000
9277 ST PAUL DRIVE · same community
3 bd · 2 ba · 2,286 sqft · $256/sqft · 128 DOM
Sold · May ’26$639,000
9325 ST PAUL DRIVE · same community
3 bd · 3 ba · 2,273 sqft · $281/sqft · 24 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 9404 SPRING CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9404 SPRING 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
9404 SPRING CIRCLE FAQs
What would the monthly payment be for 9404 SPRING CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,274/mo — principal and interest, the actual property-tax bill, the $10/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 9404 SPRING CIRCLE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9404 SPRING CIRCLE?+
The most recent tax bill on record (2025) was $837. 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 9404 SPRING CIRCLE?+
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 $699,000, this home is listed about 109% above the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9404 SPRING 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.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Mark Vaccaro. MLS #D6147832.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 9404 SPRING CIRCLE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →