
5105 ACKLEY TERRACE, PORT CHARLOTTE, FL, 33981
Active12 days on marketListed Jul 26, 2026MLS #D6148160
About this home
5105 ACKLEY TERRACE
Virtually Staged. Waterfront Gulf Cove Pool Home on Two Lots with a Detached Two-Bay Garage and Workshop, Sailboat Water, and Direct Myakka River Access and the Gulf Beyond! This unique property includes the home on one lot and a detached garage with workshop on the adjoining lot, providing plenty of space for boats, RVs, vehicles, storage, or hobbies. Located on a sailboat canal with no fixed bridges, you'll enjoy direct access to the Myakka River, Charlotte Harbor, and the Gulf of Mexico. Mature landscaping, a concrete and partially paver driveway, rain gutters, and an attached two-car garage welcome you home. Inside, the open floor plan features vaulted ceilings, tile flooring throughout, a living room, and a separate family room with built-in shelving, a dry bar, and sliding glass doors to the lanai. The remodeled kitchen features white soft-close cabinetry, stone countertops, a breakfast bar, additional contrasting cabinetry, and a pass-through window to the lanai. The dining area also opens to the lanai through sliding glass doors. The primary bedroom offers direct access to the lanai, a walk-in closet, and an updated bathroom with a walk-in shower, while two guest bedrooms share a guest bathroom with a tub/shower combination and skylight. An interior laundry room includes built-in shelving and a utility sink. The covered and newly rescreened and caged lanai overlooks the resurfaced pool, tropical landscaping, and canal. A composite dock provides direct boating access and is modifiable to accommodate a future boat lift for the ultimate in waterfront living. An outdoor shower adds convenience after a day on the water. Additional features include the detached 2021 garage and workshop with an 18'x30' garage bay, a 12'x21' garage bay, and a separate 26'x18' workshop, providing exceptional flexibility for boats, RVs, vehicles, storage, or projects. Additional improvements include a 2020 roof on the home, 2024 HVAC system, an upgraded electrical panel with a 50-amp RV hookup, hurricane shutters, a reinforced garage door, and R-30 insulation. Located at 5105 Ackley Terrace in the waterfront community of Gulf Cove, residents enjoy access to a voluntary community boat ramp and park while being just minutes from Englewood's restaurants, shopping, golf courses, and medical facilities. Beautiful Gulf beaches on Manasota Key and Boca Grande are just a short drive away, offering boating, fishing, shelling, paddleboarding, waterfront dining, and spectacular Southwest Florida sunsets.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,532
Sqft
0.46 ac
Lot size
4
Garage
1988
Year built
One
Levels
$392
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.
$4,283 /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
$4,283/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
+52.5%
$/sqft vs Port Charlotte actives
$392 vs $208
Days on market
12 vs 59 typical
Where $392/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 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)
179 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 1419% 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 5105 ACKLEY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$470,000
5194 COOPER TERRACE · same community
2 bd · 2 ba · 1,516 sqft · $310/sqft · 244 DOM
Sold · Feb ’26$345,000
5234 FORBES TERRACE · same community
2 bd · 2 ba · 1,560 sqft · $221/sqft · 65 DOM
Sold · Oct ’25$430,000
5244 EARLY TERRACE · same community
3 bd · 2 ba · 1,579 sqft · $272/sqft · 166 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 5105 ACKLEY TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5105 ACKLEY 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
5105 ACKLEY TERRACE FAQs
What would the monthly payment be for 5105 ACKLEY TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,283/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 5105 ACKLEY TERRACE?+
The most recent tax bill on record (2025) was $7,935. 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 5105 ACKLEY TERRACE?+
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 $599,900, this home is listed about 82% 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 5105 ACKLEY 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Carla Stiver, PA. MLS #D6148160.
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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