Ryland Lock
$899,0003 bd3 ba3,371 sqft$267 /sqft$5,902 /mo all-in ↓

4219 SPIRE STREET, PORT CHARLOTTE, FL, 33981

Active7 days on marketListed Aug 11, 2026MLS #D6148324

WaterfrontSingle Family ResidencePORT CHARLOTTE SEC 060

About this home

4219 SPIRE STREET

Virtually Staged. Waterfront Views, Sailboat Access and Garage Space You Rarely Find Together! This Three Bedroom, Three Bathroom Home Offers Nearly 47 Feet of Dockage and an Approximately 46-Foot Tandem Garage Bay! Located on a quiet dead-end street in Gulf Cove, this home offers RV/boat parking and multiple indoor and outdoor areas overlooking the water. Quality craftsmanship can be seen inside and out, beginning with a metal roof, Hardie Board siding on the upper level, concrete block construction below, hurricane panels for the windows, impact-rated garage doors, irrigation, gutters, exterior lighting, an outdoor shower, and an extended concrete driveway. The home features separate HVAC systems for each level, with the upstairs system replaced in 2022 and the downstairs system recently replaced in 2026. Step inside where detailed woodwork, substantial trim around the windows and doorways, solid-core doors, unique doorknobs and hardware, and a beautifully crafted wood staircase and railings give the home a character all its own. Head upstairs where the main living area opens beneath vaulted ceilings and features a wood-burning fireplace and large sliding glass doors framing the canal beyond. Those sliders lead to the 37-foot screened and covered balcony finished with Ipe wood, creating plenty of room for outdoor dining, relaxing, and enjoying the waterfront views. The kitchen features wood cabinetry, extensive Corian counter space, a center island, breakfast bar, walk-in pantry, built-in desk, and a dumbwaiter. The dining area has its own set of sliding glass doors leading to the balcony, bringing the water views right to the table. The primary suite features vaulted ceilings, a built-in window bench with storage, two walk-in closets, and an ensuite bathroom with dual sinks, a tiled walk-in shower with built-in bench, multiple showerheads, and skylight. One guest bedroom includes a walk-in closet and sliders to the balcony, while the third bedroom offers a vaulted ceiling and large closet. The guest bathroom includes a tub/shower combination with a built-in bench, and skylight. Downstairs, tile flooring runs throughout a large second living area where wide sliders open directly to the covered patio, backyard, and canal. This level also includes a third full bathroom and a large interior laundry/utility room with a sink and dumbwaiter. The garage setup is one you don't find every day. A separate single-car bay is joined by an approximately 46-foot-deep tandem garage, additional storage area, utility sink, finished floors, and room for vehicles, and a workshop. Outside, the backyard provides an open view across the canal while the concrete seawall and approximately 47-foot composite dock, added in 2019 and equipped with water and electric, put your boat right outside your door. Sailboat canal access leads to the Myakka River and onward to Charlotte Harbor and the Gulf, giving you endless opportunities to explore Southwest Florida by water. Gulf Cove also offers a voluntary HOA with a low annual fee that provides access to the community boat ramp, while area beaches, golf courses, shopping, restaurants, and everyday conveniences are all within easy reach. Whether your perfect day means heading out on the boat, enjoying an evening overlooking the canal, or simply having the space for everything you enjoy, the waterfront lifestyle is waiting for you at 4219 Spire Street.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

3,371

Sqft

0.23 ac

Lot size

4

Garage

2004

Year built

Two

Levels

$267

Per sqft

WaterfrontFireplaceTrees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Dumbwaiter · Eating Space In Kitchen · High Ceilings · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · HardiPlank Type · Stucco · Wood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesEast
ParkingBoat · Driveway · Garage Door Opener · Golf Cart Garage · Golf Cart Parking · Oversized · RV Parking · Split Garage · Tandem
ExteriorBalcony · French Doors · Hurricane Shutters · Irrigation System · Lighting · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$6,644/yr
PetsYes
CommunityBay/Harbor Front · Community Boat Ramp · Fishing · Private Boat Ramp · River · Water Access · Waterfront · Park · Playground

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Public · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,902 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,851
PMI (est., until 20% equity)$337
Property tax — 2025 actual bill$554
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $89,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $89,900
Interest rate6.00%
Loan term

Estimated payment

$5,902/mo

Principal & interest$4,851
PMI (est., until 20% equity)$337
Property taxes (actual bill)$554
Est. insurance$160

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

$267 vs $300

Days on market

7 vs 59 typical

Where $267/sqft sits among the 19 homes for sale in PORT CHARLOTTE SEC 060

4
6 · this home
5
3
0
1
$167–240$240–313$313–386$386–459$459–532$532+

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

Map of 4219 SPIRE STREET inside its neighborhood boundary

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

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

12 of 19

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 2205% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Aug 11, 2026Listed at $899,000 · 7 days on market since
2004Built · PORT CHARLOTTE SEC 060

Reality check

What actually sold near 4219 SPIRE STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3015 CURRY TERRACESold · Jul ’26

$850,000

3015 CURRY TERRACE · same community

4 bd · 3 ba · 4,124 sqft · $206/sqft · 225 DOM

12411 COLE AVENUESold · Jul ’26

$485,000

12411 COLE AVENUE · same community

3 bd · 2 ba · 2,527 sqft · $192/sqft · 236 DOM

12403 COLE AVENUESold · May ’26

$495,000

12403 COLE AVENUE · same community

3 bd · 3 ba · 2,496 sqft · $198/sqft · 19 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.

Ryland Lock

Your agent

Ryland Lock

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4219 SPIRE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4219 SPIRE STREET — 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.

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Goes straight to Ryland’s phone and CRM.

Straight answers

4219 SPIRE STREET FAQs

What would the monthly payment be for 4219 SPIRE STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,902/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 4219 SPIRE STREET?+

The most recent tax bill on record (2025) was $6,644. 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 4219 SPIRE STREET?+

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 $899,000, this home is listed about 173% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.

Which schools are assigned to 4219 SPIRE STREET?+

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

$899,000 runs 2205% above the PORT CHARLOTTE 33981 median — but at 3,371 sqft it's also nearly twice the size of 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.

03Fresh on the market

Only 7 days on market in a Port Charlotte market that averages 59 — if it fits, move quickly.

Listing courtesy of RE/MAX ALLIANCE GROUP · Carla Stiver, PA. MLS #D6148324.

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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4219 SPIRE STREET, PORT CHARLOTTE, FL — 3 Bed, 3 Bath — $899,000 | CENTURY 21 Edge