5297 NEVILLE TERRACE, PORT CHARLOTTE, FL, 33981
Active79 days on marketListed May 28, 2026MLS #N6144498
About this home
5297 NEVILLE TERRACE
Build your Florida dream home on this canal-front homesite located in the waterfront community of Gulf Cove in Port Charlotte. Enjoy peaceful water views and direct canal access leading to the Myakka River, Charlotte Harbor, and the Gulf — perfect for boating, kayaking, and embracing the Southwest Florida lifestyle. Situated on a quiet street surrounded by newer homes and natural beauty, this vacant lot offers an excellent opportunity for a full-time residence, seasonal getaway, or future investment. Public water is available, and optional membership in the Gulf Cove Property Owners Association provides access to the private community boat ramp and waterfront park. Conveniently located near shopping, dining, golf courses, public parks, spring training facilities, and Gulf beaches including Boca Grande and Englewood Beach. A wonderful opportunity to build in one of Port Charlotte’s waterfront communities.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$1,203 /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
$1,203/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.
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 231% 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 5297 NEVILLE TERRACE
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$259,944
5214 NORLANDER DRIVE · same community
2 bd · 2 ba · 1,340 sqft · $194/sqft · 224 DOM
Sold · Feb ’26$375,000
5251 EARLY TERRACE · same community
3 bd · 2 ba · 1,352 sqft · $277/sqft · 8 DOM
Sold · Feb ’26$470,000
5194 COOPER TERRACE · same community
2 bd · 2 ba · 1,516 sqft · $310/sqft · 244 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 5297 NEVILLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5297 NEVILLE 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
5297 NEVILLE TERRACE FAQs
What would the monthly payment be for 5297 NEVILLE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,203/mo — principal and interest, the actual property-tax bill, the $6/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 5297 NEVILLE TERRACE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5297 NEVILLE TERRACE?+
The most recent tax bill on record (2025) was $2,646. 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 5297 NEVILLE 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 $129,000, this home is listed about 61% below the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5297 NEVILLE 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 PARADISE EXCLUSIVE REAL ESTATE · Daralyn Duquette. MLS #N6144498.
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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