9458 MELODY CIRCLE, PORT CHARLOTTE, FL, 33981
Active167 days on marketListed Feb 18, 2026MLS #D6146226
About this home
9458 MELODY CIRCLE
Gulf Access Home - Move In Ready! BEST BUY IN SOUTH GULF COVE!!!! This 4 bedroom and 3 full Bathroom Home has 2,300 Sq. Ft. Water views from most rooms of wide intersecting saltwater canals. Dock your boat in the backyard and enjoy quick access to Charlotte Harbor and The Gulf Of Mexico. This move in ready home features newer granite countertops in the kitchen and bathrooms, 18x18 porcelain tile in the living areas and newer carpet in the bedrooms. The large kitchen has an aquarium window and eat-in area looking out to the Pool and Water. Pool has been updated with LED light, New tile and Pebble Pool finish this year, Newer Bronze Pool Cage and Pool Deck enlarged! Newer LG stainless steel appliances. The master bathroom boasts a large Roman shower and separate soaking tub. The dining, family and living rooms feature high volume ceilings. Layout allows for a private visitor suite. The oversized lot with 109.49 ft of waterfront is perfect for parking your RV or storing your boat trailer. Enjoy swimming in the pool with cabana bath, fishing from the dock or just sitting on the lanai and watching the wildlife. 8x10 Shed. New Hurricane rated Garage Door 2024. New Culligan water softener 2026. THIS IS A HUGE HOUSE WITH QUALITY FINISHES FOR THE PRICE. Just a short drive to Boca Grande and Englewood Beaches.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,300
Sqft
0.25 ac
Lot size
2
Garage
2003
Year built
One
Levels
$260
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 — not generic estimates.
$3,988 /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
$3,988/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
+0.5%
$/sqft vs Port Charlotte actives
$260 vs $208
Days on market
167 vs 59 typical
Where $260/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)
166 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 1436% 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 9458 MELODY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$439,900
9660 MIAMI CIRCLE · same community
3 bd · 2 ba · 2,020 sqft · $218/sqft · 30 DOM
Sold · Oct ’25$490,000
9293 PANAMA CIRCLE · same community
3 bd · 2 ba · 1,665 sqft · $294/sqft · 570 DOM
Sold · Oct ’25$915,000
9458 Snapper Circle, Port Charlotte FL 33981 · same community
7 bd · 4.5 ba · 5,672 sqft · $161/sqft · 164 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9458 MELODY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9458 MELODY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
9458 MELODY CIRCLE FAQs
What would the monthly payment be for 9458 MELODY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,988/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 9458 MELODY CIRCLE?+
The most recent tax bill on record (2025) was $4,460. 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 9458 MELODY CIRCLE?+
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 $599,000, this home is listed about 82% 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 9458 MELODY 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
Four things that matter here
01Positioned at the premium end
$599,000 runs 1436% above the PORT CHARLOTTE 33981 median — but at 2,300 sqft it's also 40% 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.
03Time on market is leverage
167 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $629,000, now $599,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TALL PINES REALTY · Terry Long. MLS #D6146226.
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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