15025 SPANISH POINT DRIVE, PORT CHARLOTTE, FL, 33981
Active166 days on marketListed Feb 23, 2026MLS #N6143030
About this home
15025 SPANISH POINT DRIVE
Welcome to this beautifully maintained 3-bedroom, 3-bath home with a versatile den in the desirable waterfront community of South Gulf Cove. Light, bright, and thoughtfully designed, this open-concept home is tastefully decorated with timeless Florida-inspired style, creating a warm and welcoming atmosphere from the moment you step inside! The spacious floor plan offers a private guest suite with an ensuite bath, making it ideal for visitors or multigenerational living, while the additional den provides the perfect space for a home office, hobby room, or flex space to fit your lifestyle. Step outside to your own backyard retreat featuring a large, heated pool, expansive paver lanai and pool deck, and peaceful pond views—perfect for entertaining or simply relaxing and enjoying the Florida sunshine. Located in the sought-after community of South Gulf Cove, residents enjoy low HOA dues of approximately $200 per month while being just minutes from the world-famous beaches and boating of Boca Grande. Conveniently situated near Port Charlotte and neighboring communities, you'll also have easy access to shopping, dining, golf, parks, and everyday conveniences. 15025 Spanish Point Drive offers the perfect blend of comfort, style, and the Southwest Florida lifestyle you've been dreaming of. Schedule a private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,190
Sqft
0.2 ac
Lot size
2
Garage
2020
Year built
One
Levels
$217
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.
$3,872 /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
$3,872/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
−36.9%
$/sqft vs HARBOR WEST
$217 vs $340
Days on market
166 vs 60 typical
Where $217/sqft sits among the 10 homes for sale in HARBOR WEST
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)
4 of 10
HARBOR WEST have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1103% 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 15025 SPANISH POINT DRIVE
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$377,500
14573 PONCE DE LEON TRAIL · same community
4 bd · 3 ba · 2,217 sqft · $170/sqft · 117 DOM
Sold · Nov ’25$402,000
14724 PONCE DE LEON TRAIL · same community
4 bd · 3 ba · 2,027 sqft · $198/sqft · 214 DOM
Sold · Jul ’26$860,000
14556 GASPAR LOOP · same community
3 bd · 2.5 ba · 2,357 sqft · $365/sqft · 408 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 15025 SPANISH POINT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15025 SPANISH POINT DRIVE — 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
15025 SPANISH POINT DRIVE FAQs
What would the monthly payment be for 15025 SPANISH POINT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,872/mo — principal and interest, the actual property-tax bill, the $256/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 15025 SPANISH POINT DRIVE?+
The association fee works out to $256 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15025 SPANISH POINT DRIVE?+
The most recent tax bill on record (2025) was $5,396. 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 15025 SPANISH POINT DRIVE?+
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 $475,000, this home is listed about 44% above the Port Charlotte median of $330,880. The market section on this page shows how the area is trending.
Which schools are assigned to 15025 SPANISH POINT DRIVE?+
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
$475,000 runs 1103% above the PORT CHARLOTTE 33981 median — but at 2,190 sqft it's also 34% larger than the typical Port Charlotte listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
166 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 $525,000, now $475,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Trish Chkreba. MLS #N6143030.
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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