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8362 Santa Cruz Dr, Port Charlotte, FL, 33981

3beds
3baths
2,016sqft
$597,000
$296price/sqft
$4,595/moest. monthly cost
$183,800/yrincome needed

About This Home

A new waterfront pool home with access to the gulf. It offers 2,016 sq. ft of living area, composed of 3 bedrooms, a den, a large master bath, a cabana bath and 3 car garages. Impact windows and glass doors, concrete paver driveway, and porcelain tile floors throughout the entire home. Solid wood 36 inch-high cabinets with soft closing doors and drawers, quartz countertops, stainless-steel appliance package in the kitchen. Lush landscape with irrigation system. Two large guest bedrooms, a master suite with 2 large walk-in closets (his & hers) and a sliding glass door which leads di-rectly to the screened in pool area. Master bath with double sinks, private water closet and an oversized shower. It is in the prestigious waterfront community of South Gulf Cove, close to Boca Grande's and Gasparilla Island’s white sandy beaches, sandbars, marinas, fishing, golf courses, restaurants, and shopping.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
6/10
4/10
Lemon Bay High SchoolGrades 9-127.2 mi

Construction

Condition

  • Property condition: Completed
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter,Stem Wall
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Microwave,Range,Refrigerator
  • Laundry features: Laundry Room

Bathroom1

  • Level: First

Bathroom2

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s)
  • Flooring: Luxury Vinyl

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,000
  • Total interior livable area: 2,016 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 412116332011
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Chlorine Free,Heated,In Ground,Lighting
  • Exterior features: Rain Gutters
  • Has spa: Yes
  • Spa features: In Ground
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal - Brackish,Bay/Harbor Access,Brackish Canal Access,Gulf/Ocean Access,Gulf/Ocean to Bay Access

Lot

  • Lot size: 9,999 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Charlotte County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,018$36,216
Home Insurance *$277$3,324
Property Taxes $1,098$13,176
Electricity $202$2,434
Total$4,595$55,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$157,542/yr
40% on housing$137,850/yr
45% on housing$122,533/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.9%
13.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 33981$238
Charlotte County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 33981$196
Charlotte County$188

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-17Listed for sale$597,000
2026-04-04Listed for rent$3,500
2026-03-26Listing removed$3,500
2026-02-19Listed for rent$3,500
2023-04-21Sold$120,000
2021-05-06Sold$65,000
2021-04-13Price change$508,000
2021-03-30Pending sale$64,900
2021-03-10Price change$508,000
2021-03-03Price change$64,900
2021-02-27Price change$508,000
2021-02-05Price change$64,900
2021-01-19Price change$489,000
2021-01-16Price change$59,900
2020-12-03Price change$489,000
2020-02-09Price change$59,900
2019-06-28Price change$62,000
2019-06-13Price change$434,900
2019-04-17Price change$62,000
2019-03-16Price change$434,900
2019-01-27Price change$62,000
2019-01-15Price change$434,900
2018-08-03Price change$62,000
2018-07-31Price change$434,900
2018-07-19Price change$62,000
2018-07-16Listed for sale$434,900
2000-08-24Sold$7,500

New Construction

AgentJulio Morales
BrokeragePARADISE EXCLUSIVE INC

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