2380 VANCE TERRACE, PORT CHARLOTTE, FL, 33981
Active8 days on marketListed Jul 28, 2026MLS #D6148138
About this home
2380 VANCE TERRACE
Welcome to this exceptional waterfront residence in desirable Gulf Cove, offering breathtaking views, boating access, and the ideal Florida lifestyle. Situated on an expansive waterfront lot with river and canal frontage, this home provides direct access to the Myakka River and surrounding waterways, making it a perfect opportunity for boating enthusiasts. This spacious home features an open living and dining area with comfortable bedrooms and inviting indoor and outdoor spaces designed for enjoying the Florida climate. The gourmet kitchen is designed for both everyday living and entertaining, showcasing granite countertops, a stylish full-height backsplash, an industrial gas oven with a gas cooktop, refrigerator, dishwasher, water filtration system, garbage disposal, and a range hood. Adding even more functionality, the oversized garage features soaring ceilings with ample clearance for boat storage, a fully equipped prep kitchen complete with its own stove and dishwasher, and a second garage door providing convenient access to the canal side—ideal for entertaining, meal preparation, boating gear, or waterfront activities. The bathrooms feature full tile finishes, adding a clean and elegant touch throughout the home. The living area also includes a built-in dry bar, perfect for entertaining guests or creating a dedicated beverage and serving area. An elegant electric fireplace with a granite-wrapped surround serves as a beautiful focal point in the living space. Additional features include tile flooring, a tankless water heater, a dedicated laundry room with washer and dryer, a screened second-story balcony overlooking the water, a new metal roof installed in 2024, a 10-camera security system, and thoughtful design elements throughout that enhance both comfort and functionality. Enjoy the convenience of Gulf Cove's optional community amenities, including access to the private community boat ramp, waterfront park, and recreational areas through the voluntary property owners association. The boat ramp provides convenient access to the Myakka River and Charlotte Harbor waterways, making it easy to enjoy boating, fishing, and Southwest Florida's coastal lifestyle. The home offers convenient access to shopping, dining, golf, beaches, and other local attractions. Whether you are looking for a full-time residence, seasonal retreat, or waterfront investment opportunity, this property offers the space, location, luxury features, and waterfront lifestyle that make Southwest Florida living so desirable.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,466
Sqft
0.71 ac
Lot size
4
Garage
1993
Year built
Two
Levels
$401
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.
$6,728 /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
$6,728/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 060
$401 vs $300
Days on market
8 vs 59 typical
Where $401/sqft sits among the 22 homes for sale in PORT CHARLOTTE SEC 060
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)
14 of 22
PORT CHARLOTTE SEC 060 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2438% 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 2380 VANCE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$699,000
3069 STONE STREET · same community
3 bd · 2 ba · 2,444 sqft · $286/sqft · 329 DOM
Sold · May ’26$495,000
12403 COLE AVENUE · same community
3 bd · 3 ba · 2,496 sqft · $198/sqft · 19 DOM
Sold · Nov ’25$1,300,000
2998 MONTGOMERY DRIVE · same community
3 bd · 2 ba · 2,422 sqft · $537/sqft · 33 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 2380 VANCE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2380 VANCE 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
2380 VANCE TERRACE FAQs
What would the monthly payment be for 2380 VANCE TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,728/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 2380 VANCE TERRACE?+
The most recent tax bill on record (2025) was $10,258. 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 2380 VANCE TERRACE?+
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 $990,000, this home is listed about 200% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2380 VANCE 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 TALL PINES REALTY · Fernando Costa. MLS #D6148138.
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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