10640 AYEAR ROAD, Port Charlotte, FL, 33981 | $699,000

This waterfront home offers breathtaking, unobstructed views across the serene Santa Cruz Canal to a designated preserve area, ensuring privacy and tranquility. Abutting sailboat waters, this property provides the ideal setting for waterfront living.

Upon arriving, you’re greeted by a pristine white vinyl fence that runs from the front down both sides of the home, leading to the spacious lanai. Step through double doors into a tiled entryway, where natural light pours in through the transom above, illuminating the soaring cathedral ceiling. The expansive open floor plan flows seamlessly between the kitchen, dinette, and great room, creating an inviting and airy space perfect for both everyday living and entertaining.

The kitchen-dinette combo features rectangular tile floors, a convenient pantry, breakfast bar, and all essential appliances. The adjacent great room is carpeted and opens up through sliders, inviting in fresh air and sunlight, enhancing the light, bright ambiance of the home.

For privacy, two guest bedrooms are tucked away behind a pocket door, creating a quiet retreat. One of these rooms boasts an ensuite bath with a shower stall, single vanity, and serves as the pool bath with convenient access from the lanai. The second guest bath, located in the hallway, features a single vanity and a combo tub/shower unit.

The spacious primary bedroom, located on the opposite side of the home, is a private sanctuary with two sets of sliders leading directly to the lanai and pool area. The suite also offers his-and-her walk-in closets and an ensuite bath with a double vanity, separate tub, and shower, all accented with wall to wall carpet.

Step outside to discover your own private oasis—an oversized heated pool (approximately 36' x 12') with a cool deck that promises comfort underfoot. The lanai (22' x 11') and pool area are screened, ensuring peaceful enjoyment of the beautiful views and refreshing breezes.

At water's edge, a two-tiered dock (26' x 6') with dual boat lifts (40K lbs & 6K lbs) awaits your watercraft, making this home a true boater's dream. The canal waters also flow through the property’s sprinkler system, keeping your landscaping lush and vibrant year-round.

Recent upgrades include a new pool pump, irrigation pump, and water heater all replaced in 2025, and a new roof installed in 2022. With several airports in southwest Florida nearby, as well as a wealth of dining, hiking and biking trails, and Gulf Coast beaches, this location provides both convenience and recreation. The area is renowned for world-class tarpon fishing and abundant outdoor activities.

This is a great opportunity to own a waterfront property that blends comfort and privacy with nature's beauty. Bring your vision to life and start living the waterfront lifestyle you deserve.

Features

  • Amenities: Park
  • Rooms: 11
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Style: Ranch
  • Year Built: 1999
  • Garage: 2-car Driveway, Garage Door Opener, Ground Level
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,806
  • Acreage: 0.23
  • Est. Taxes: $7,024
  • HOA Fee: $120 Annually
  • Lot Desc: In County
  • View: Trees/Woods, Water
  • Elem. School: Myakka River Elementary
  • Middle School: L.A. Ainger Middle
  • High School: Lemon Bay High
  • Pool: Gunite, Heated, In Ground, Outside Bath Access, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: D6141477
  • Days on Market: 358 days
  • Website: https://www.raveis.com
    /prop/D6141477/10640ayearroad_portcharlotte_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/25/2026 11:34:09 PM)
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY   Phone: 941-214-3111

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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10640 AYEAR ROAD, Port Charlotte, FL, 33981

$699,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $559,200 $559,200 $559,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $585 $585 $585
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,443 $3,531 $4,644
Total Monthly Payment $4,120 $4,208 $5,321

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.