10535 AZTEC ROAD, PORT CHARLOTTE, FL, 33981
Active11 days on marketListed Jul 25, 2026MLS #W7887978
About this home
10535 AZTEC ROAD
Waterfront Paradise with Unrestricted Gulf Access! This exceptionally maintained 3-bedroom, 2-bath, 2-car garage home is set on an expansive waterfront lot of over half an acre, boasting 170+ feet of canal frontage, and provides the ultimate waterfront lifestyle for boating enthusiasts. The property features a motorized boat lift with lift motors replaced in July 2026, making it easy to accommodate larger boats and sailboats. Most furniture and select furnishings, including the XL flat-screen TV in the living room, are negotiable with the sale of the home. The home’s fresh exterior paint enhances its curb appeal, while numerous updates provide peace of mind, including a 2022 roof with 130-MPH wind-rated shingles, impact windows and doors (2024), an accordion hurricane shutter enclosing the lanai, HVAC (2020), water heater (2024), a variable-speed pool pump (July 2026), leased solar panels to help lower monthly electric bills, and an owned solar pool heating system for year-round enjoyment. Step outside to your screened lanai featuring a heated pool, separate hot tub, and outdoor kitchen, all overlooking the canal. Surrounded by lush tropical landscaping, your private backyard retreat features fruit-bearing banana, mango, and coconut trees, allowing you to enjoy fresh fruit right from your own yard while taking in peaceful preserve views across the water, with the added privacy of knowing no homes will ever be built directly across the canal. This rare waterfront property offers exceptional outdoor space and endless possibilities for entertaining, recreation, and enjoying the Florida lifestyle. With the major systems already updated, the next owner can focus on making it their own instead of tackling major maintenance projects. Whether you’re looking for a full-time residence, seasonal retreat, or waterfront investment, this exceptional property offers the perfect blend of boating, comfort, privacy, and the Florida waterfront lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,929
Sqft
0.51 ac
Lot size
2
Garage
1997
Year built
One
Levels
$363
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.
$4,760 /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
$4,760/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.
vs edgeAI estimate
+17.2%
$/sqft vs PORT CHARLOTTE SEC 82
$363 vs $253
Days on market
11 vs 59 typical
Where $363/sqft sits among the 8 homes for sale in PORT CHARLOTTE SEC 82
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)
2 of 8
PORT CHARLOTTE SEC 82 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1695% 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 10535 AZTEC ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$200,000
10474 RIVERSIDE ROAD · same community
4 bd · 3 ba · 1,920 sqft · $104/sqft · 34 DOM
Sold · Jun ’26$935,000
15576 ALDAMA CIRCLE · same community
3 bd · 3 ba · 2,093 sqft · $447/sqft · 88 DOM
Sold · May ’26$384,500
15081 ALDAMA CIRCLE · same community
3 bd · 2 ba · 2,101 sqft · $183/sqft · 145 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 10535 AZTEC ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10535 AZTEC ROAD — 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
10535 AZTEC ROAD FAQs
What would the monthly payment be for 10535 AZTEC ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,760/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 10535 AZTEC ROAD?+
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 10535 AZTEC ROAD?+
The most recent tax bill on record (2025) was $6,606. 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 10535 AZTEC ROAD?+
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 $699,900, this home is listed about 112% 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 10535 AZTEC ROAD?+
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 FINEHIRSH REALTY POWERED BY SELLSTATE · Tiffany Mullin. MLS #W7887978.
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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