David Ramirez
$629,9003 bd2 ba2,105 sqft$299 /sqft$4,479 /mo all-in ↓

15504 HENNIPEN CIRCLE, PORT CHARLOTTE, FL, 33981

Active23 days on marketListed Jul 17, 2026MLS #D6148099

WaterfrontPrivate poolSingle Family ResidenceSOUTH GULF COVE

About this home

15504 HENNIPEN CIRCLE

Welcome to your PRIVATE WATERFRONT PARADISE in the highly sought-after community of SOUTH GULF COVE! This SPECTACULAR CUSTOM-BUILT, SOUTH-FACING COASTAL LUXURY RESIDENCE offers 2,105 square feet of thoughtfully designed living space, 3 bedrooms, 2 bathrooms, 80 feet of canal frontage with DIRECT GULF ACCESS—delivering the ULTIMATE FLORIDA LIFESTYLE with NO HOA REQUIREMENT and NO CDD FEES!! This exceptional home immediately captivates with INCREDIBLE CURB APPEAL!! Featuring a coveted TILE ROOF, elegant paver driveway, recessed exterior lighting, and a grand double French door entry, every detail creates an unforgettable first impression. Step inside to soaring tray ceilings with custom lighting, extensive crown molding, stylish wood-grain ceramic tile flooring throughout, and a bright, open floor plan that draws your eye through the dramatic sliding glass doors to the SPARKLING HEATED POOL and breathtaking waterfront beyond!! Designed for everyday living and effortless entertaining, the gourmet kitchen is truly the heart of the home! It showcases stunning granite countertops that continue as a full-height backsplash, a spacious breakfast bar, abundant soft-close cabinetry, updated Samsung smart stainless-steel appliances, and a sunny dinette overlooking the lanai. A spacious indoor laundry room with an upgraded utility sink adds even more convenience. Escape to the LUXURIOUS PRIMARY SUITE, a private retreat featuring elegant tray ceilings with built-in lighting, a generous walk-in closet, and a spa-inspired ensuite with dual vanities topped with matching granite countertops, an oversized garden tub, and a custom tiled walk-in shower with built-in shelving. Two additional guest bedrooms are generously sized with built-in closets, while the beautifully appointed guest bath features a stylish walk-in shower. The outdoor living space is where this home truly SHINES!! Expansive 8 ft sliders create a seamless transition to the oversized covered and screened lanai, where you'll discover your own PRIVATE BACKYARD OASIS!! Relax in the custom HEATED GUNITE POOL featuring an inviting sun shelf with umbrella sleeve, surrounded by elegant paver decking —perfect for entertaining family and friends or simply enjoying the peaceful canal views. This desirable SOUTH-FACING EXPOSURE provides abundant Florida sunshine all day long!! Boating enthusiasts will LOVE the ample room to customize your own private lift/dock, with outstanding fishing right from your backyard and DIRECT ACCESS TO CHARLOTTE HARBOR AND THE GULF!! Built with comfort, efficiency, and peace of mind, this exceptional residence features hurricane-rated LOW-E IMPACT WINDOWS AND DOORS, open-cell spray foam attic insulation, smart home technology, and an oversized two-car garage with an easy-to-maintain epoxy floor. Perfectly situated near pristine Gulf beaches, HISTORIC BOCA GRANDE, Warm Mineral Springs, championship golf courses, premier shopping and dining, a nearby water park, and countless outdoor recreation opportunities, this remarkable waterfront residence offers LUXURY, LOCATION, AND LIFESTYLE in one extraordinary package!! THIS IS MORE THAN JUST A HOME—IT'S YOUR FLORIDA DREAM COME TRUE!! Don't miss this RARE OPPORTUNITY to own a DIRECT GULF ACCESS waterfront pool home in one of Southwest Florida's most desirable boating communities. SCHEDULE YOUR PRIVATE SHOWING TODAY BEFORE THIS INCREDIBLE HOME IS GONE!!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,105

Sqft

0.23 ac

Lot size

2

Garage

2023

Year built

One

Levels

$299

Per sqft

Private poolWaterfrontPool & Water viewNegotiablePets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesSouth
ExteriorFrench Doors · Irrigation System · Lighting · Other · Private Mailbox · Sliding Doors

Community & fees

HOA fee$10/mo
Taxes (2025)$8,089/yr
PetsYes
CommunityPublic Boat Ramp · Waterfront · Clubhouse · Golf Carts OK · Park · Playground · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Mini Sewer · Public · Water Connected
WaterPublic

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.

$4,479 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,399
PMI (est., until 20% equity)$236
Property tax — 2025 actual bill$674
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $62,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $62,990
Interest rate6.00%
Loan term

Estimated payment

$4,479/mo

Principal & interest$3,399
PMI (est., until 20% equity)$236
Property taxes (actual bill)$674
HOA / condo fee$10
Est. insurance$160

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.

List $630K
$605KedgeAI estimate $668,895 · range $644K$713K$741K

vs edgeAI estimate

−5.8%

$/sqft vs SOUTH GULF COVE

$299 vs $270

Days on market

23 vs 60 typical

Where $299/sqft sits among the 15 homes for sale in SOUTH GULF COVE

3
3
2
3 · this home
2
2
$149–192$192–236$236–280$280–324$324–367$367+

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

Map of 15504 HENNIPEN CIRCLE inside its neighborhood boundary

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

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

11 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 1495% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Jul 17, 2026Listed at $629,900 · 23 days on market since
2023Built · SOUTH GULF COVE

Reality check

What actually sold near 15504 HENNIPEN CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

15448 AVERY ROADSold · Dec ’25

$525,000

15448 AVERY ROAD · same community

3 bd · 2 ba · 2,081 sqft · $252/sqft · 185 DOM

9542 SPRING CIRCLESold · Apr ’26

$510,000

9542 SPRING CIRCLE · same community

3 bd · 2.5 ba · 2,142 sqft · $238/sqft · 383 DOM

9364 MIAMISold · Jun ’26

$675,000

9364 MIAMI · same community

3 bd · 3 ba · 2,192 sqft · $308/sqft · 164 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 15504 HENNIPEN CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 15504 HENNIPEN 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.

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Goes straight to David’s phone and CRM.

Straight answers

15504 HENNIPEN CIRCLE FAQs

What would the monthly payment be for 15504 HENNIPEN CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,479/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 15504 HENNIPEN 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 15504 HENNIPEN CIRCLE?+

The most recent tax bill on record (2025) was $8,089. 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 15504 HENNIPEN 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 $629,900, this home is listed about 91% above the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.

Which schools are assigned to 15504 HENNIPEN 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.

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Lore Mooren. MLS #D6148099.

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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