8314 TRACY CIRCLE, PORT CHARLOTTE, FL, 33981
Active78 days on marketListed May 21, 2026MLS #C7526089
Come see it
Upcoming open house
Sat, Aug 8
11:00 AM – 1:00 PM
About this home
8314 TRACY CIRCLE
Welcome to your dream waterfront oasis in the highly desirable community of South Gulf Cove, where luxurious living meets serene natural beauty! Come view this spectacular 2023 home built by Turn Key Custom Homes. From the moment you arrive and step through the stunning French doors you’ll be greeted by a bright and airy great room featuring soaring tray ceilings, crown molding, and striking 5-inch baseboards. The heart of the home is the chef's kitchen featuring an oversized granite island, custom soft close wood cabinetry, beautiful backsplash, under cabinet lighting and power strips, SS appliances, modern pendant lighting and a spacious walk-in pantry perfect for all your storage needs, all flowing effortlessly into the vibrant dining area with sliders to the lanai. Retreat to the luxurious primary bedroom which offers a serene haven with a lavish ensuite bath featuring a tiled Roman shower with dual shower heads, including a rain shower head, plus dual vanities and a makeup vanity, all adorned with beautiful granite countertops. The primary also features sliders that open to lanai offering a view of the canal. For added convenience, a large laundry room is located just off the primary suite, making daily tasks a breeze. A versatile bonus flex room and/or den with a charming half-moon window and double doors offer perfect spaces for an office or a cozy guest retreat, enhancing the home's functionality. The guest bedrooms are strategically located on the opposite side of the home for privacy; one features a large walk-in closet complete with custom shelving and an ensuite bath with a tiled walk-in shower. The expansive 10 ft zero-degree tinted sliders equipped with custom remote controlled shades provide seamless access to the paver lanai. Step outside to your tropical oasis where the heated, saltwater pool has been strategically placed in the corner for maximum sun exposure overlooks a tranquil canal setting. The expansive lanai features plenty of covered seating, a separate dining/grilling area and even an outdoor shower. In addition the back yard is completely fenced with a decorative black aluminum fence for the added security for your pup! Additional highlights of the stunning home include porcelain tile throughout, impact windows, sliders and garage doors, security system, sprinkler system, custom plantation shutters and custom shades on sliders and screened in front entryway. There is also has a whole house generator the seller is willing to negotate with the sale. Don’t miss this incredible opportunity to experience waterfront living at its finest in South Gulf Cove!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,422
Sqft
0.23 ac
Lot size
3
Garage
2023
Year built
One
Levels
$318
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.
$5,591 /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
$5,591/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
+2.1%
$/sqft vs Port Charlotte actives
$318 vs $208
Days on market
78 vs 59 typical
Where $318/sqft sits among the 400 Port Charlotte actives
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)
180 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1847% 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 8314 TRACY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$650,000
8242 TRACY CIRCLE · same community
3 bd · 2.5 ba · 2,191 sqft · $297/sqft · 68 DOM
Sold · Mar ’26$419,000
9401 PRESIDENT CIRCLE
4 bd · 3 ba · 2,418 sqft · $173/sqft · 5 DOM
Sold · Feb ’26$1,450,000
16147 LANKFORD COURT
3 bd · 3 ba · 2,416 sqft · $600/sqft · 526 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
Ryland Lock
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8314 TRACY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8314 TRACY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ryland's phone and CRM.
Straight answers
8314 TRACY CIRCLE FAQs
What would the monthly payment be for 8314 TRACY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,591/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 8314 TRACY 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 8314 TRACY CIRCLE?+
The most recent tax bill on record (2025) was $11,793. 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 8314 TRACY CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $769,000, this home is listed about 133% 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 8314 TRACY 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.
The brief
Three things that matter here
01Positioned at the premium end
$769,000 runs 1847% above the PORT CHARLOTTE 33981 median — but at 2,422 sqft it's also 48% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $799,000, now $769,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Dawn Driver. MLS #C7526089.
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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