5281 BOYLE TERRACE, PORT CHARLOTTE, FL, 33981
Active106 days on marketListed Apr 23, 2026MLS #D6147163
About this home
5281 BOYLE TERRACE
Welcome to 5281 Boyle Terrace in Gulf Cove, where modern elegance meets true Florida waterfront living. This fully remodeled residence is a standout—designed for those who crave style, space, and direct access to some of the best fishing waters in Southwest Florida. From the moment you step inside, you’re greeted with a fresh, contemporary feel—every inch thoughtfully updated to deliver a clean, upscale look with effortless flow. Natural light pours in, highlighting the open living spaces and bringing the outdoors in. Step outside… and this is where it gets unforgettable. An oversized pool that create the ultimate private retreat—perfect for entertaining, relaxing, or soaking in those golden Florida sunsets. Whether it’s quiet mornings with coffee or lively evenings with friends, this space delivers. Positioned on a prime waterfront lot, you’ll enjoy direct access to the Myakka River, known for its incredible fishing and boating. Cruise your way out toward the Gulf of Mexico and experience the best of coastal living right from your backyard. Located in the desirable Gulf Cove community, the optional HOA offers access to a private boat ramp and park—giving you even more convenience and value without mandatory fees. ? Highlights: Fully remodeled, move-in ready Oversized pool Short minutes from the beach Waterfront with access to Myakka River & Gulf of Mexico Exceptional fishing & boating lifestyle Optional HOA with private boat ramp & park Prime Port Charlotte location This is more than a home—it’s a lifestyle upgrade. Waterfront, modern, and built for enjoying every single day. If you’re looking for that “wow” property that checks every box… this is it.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,260
Sqft
0.23 ac
Lot size
2
Garage
1974
Year built
One
Levels
$357
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.
$3,425 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,425/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 054
$357 vs $328
Days on market
106 vs 59 typical
Where $357/sqft sits among the 6 homes for sale in PORT CHARLOTTE SEC 054
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
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
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)
1 of 6
PORT CHARLOTTE SEC 054 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1039% 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 5281 BOYLE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$259,944
5214 NORLANDER DRIVE · same community
2 bd · 2 ba · 1,340 sqft · $194/sqft · 224 DOM
Sold · Feb ’26$375,000
5251 EARLY TERRACE · same community
3 bd · 2 ba · 1,352 sqft · $277/sqft · 8 DOM
Sold · Feb ’26$470,000
5194 COOPER TERRACE · same community
2 bd · 2 ba · 1,516 sqft · $310/sqft · 244 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5281 BOYLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5281 BOYLE TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
5281 BOYLE TERRACE FAQs
What would the monthly payment be for 5281 BOYLE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,425/mo — principal and interest, the actual property-tax bill, the $5/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 5281 BOYLE TERRACE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5281 BOYLE TERRACE?+
The most recent tax bill on record (2025) was $4,955. 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 5281 BOYLE TERRACE?+
The listing reports pets: No. 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 $449,900, this home is listed about 36% 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 5281 BOYLE TERRACE?+
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
$449,900 runs 1039% above the PORT CHARLOTTE 33981 median.
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 $499,900, now $449,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Audrey Smith PA. MLS #D6147163.
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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