9326 PANAMA CIRCLE, Port Charlotte, FL, 33981 | $914,999

Experience elevated coastal living in this 2023 custom-built waterfront residence by one of the area’s premier builders, ideally located in the sought-after South Gulf Cove boating community. Positioned on a Gulf-access, sea-walled lot, this exceptional property offers sun-filled living, effortless boating, refined design, and an unbeatable location just 13 miles from the pristine beaches of Manasota Key and Boca Grande.

Designed for both everyday comfort and elegant entertaining, the open-concept living area is enhanced by zero-degree impact sliders that create a seamless indoor-outdoor connection. Impact-rated windows and doors provide superior storm protection and energy efficiency, while a soft-start A/C system ensures smooth, efficient operation. The home is also generator-ready, offering added peace of mind and convenience.

This thoughtfully designed layout includes 3 bedrooms, 2 bathrooms, a private den, and a spacious 3-car garage with an additional 2 feet in depth — ideal for larger vehicles, extra storage, or recreational gear. The luxurious owner’s suite is a serene retreat featuring tranquil water views, expansive walk-in closets, and a spa-inspired en-suite bath with dual shower heads for a true resort-style experience.

The chef-inspired kitchen is a true showpiece, showcasing a wrapped island, custom slow-close cabinetry, under-cabinet lighting, and a dramatic glass backsplash extending to the ceiling. Designed for both everyday living and entertaining, it features a premium propane cooktop, custom hood vent, double ovens, stainless steel appliances, and a built-in wine cooler — delivering the performance and elegance expected in a luxury waterfront home.

Plank tile flooring flows throughout the main living areas, elevating both durability and coastal sophistication. Additional interior upgrades include plantation shutters, a tankless propane hot water heater servicing the home, and a built-out laundry room for added convenience.

Step outside to embrace the ultimate Florida lifestyle. The expansive outdoor living space features a custom outdoor kitchen, a saltwater pool and spa — ideal for entertaining or enjoying peaceful sunset evenings. The property is equipped with propane service for the tankless water heater, BBQ, and stove, offering efficiency and performance throughout.

Boating enthusiasts will appreciate the private dock complete with a 10, 000 lb boat lift and canopy, providing quick Gulf access and protection for your vessel. The home’s curb appeal is equally impressive, featuring mature tropical landscaping with decorative curbing, an irrigation system, upgraded St. Augustine sod, a full-width paver driveway, and a beautifully designed walkway leading to the dock. The 3-car garage is finished with durable epoxy flooring, adding both style and function.

Located in the highly desirable South Gulf Cove boating community, residents enjoy convenient access to world-class boating, championship golf courses, marinas, upscale shopping, and waterfront dining — all while enjoying the privacy and tranquility of luxury canal-front living.

This move-in-ready waterfront masterpiece offers the perfect blend of sophistication, comfort, and coastal lifestyle — an exceptional opportunity in one of Southwest Florida’s most desirable communities.

Features

  • Amenities: Clubhouse
  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Style: Coastal
  • Year Built: 2023
  • Garage: 3-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,098
  • Acreage: 0.23
  • Est. Taxes: $10,137
  • HOA Fee: $120 Annually
  • Lot Desc: Cleared, In County, Landscaped, Level, Near Golf Course, Near Marina
  • View: Water
  • Pool: Gunite, Heated, In Ground, Lighting, Screen Enclosure, Tile
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Washer, Wine Refrigerator
  • MLS#: D6146254
  • Days on Market: 27 days
  • Website: https://www.raveis.com
    /prop/D6146254/9326panamacircle_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 4/5/2026 12:47:06 PM)
Listing courtesy of PARADISE EXCLUSIVE INC   Phone: 941-698-0303

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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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9326 PANAMA CIRCLE, Port Charlotte, FL, 33981

$914,999

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $731,999 $731,999 $731,999
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.259% 6.223%
Monthly Tax Payment $845 $845 $845
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,272 $4,448 $6,177
Total Monthly Payment $5,209 $5,385 $7,114

* 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.