14494 LILLIAN CIRCLE, Port Charlotte, FL, 33981 | $495,000

Discover the ultimate Florida lifestyle in this meticulously updated and beautifully landscaped, Gulf access 3 Bedroom, 2 bathroom pool home! Situated on a 12, 953 sqft lot (. 3 Acres) with an impressive 136 feet of waterfrontage, in the desirable deed-restricted community of South Gulf Cove. Boaters will find this property exceptional, as it features a 4, 500lb boat lift and sits on a wide canal providing effortless access to the Myakka River, Charlotte Harbor, Boca Grande, and the open Gulf waters. This residence has extensive improvements, featuring a fully renovated primary suite, and beautifully updated guest bedrooms and bathrooms. The interior offers abundant cabinet space in the kitchen, stylish plantation shutters throughout, new lights & ceiling fans throughout, and new flooring across all bedrooms and the primary bath. Major improvements provide peace of mind for years to come, including a new roof (2024), updated electrical panel, and new windows in the dining room and all bedrooms (installed in 2023). Recent 2025 updates further enhance the home with new living room carpeting and a new pool pump, complementing the 2023 addition of a new pool heater, water heater, and the house has complete plumbing repipe except for the primary bathroom

The outdoor living space is a true sanctuary, featuring a screened pool area that showcases great canal views, perfect for relaxing or entertaining against a coastal backdrop. Exterior highlights include an oversized garage, a dedicated storage shed, rain gutters, the added security of new hurricane shutters, and a modern LPS Sewer system and tank (redone in 2023). The house is on Public water and sewer. Perfectly positioned for both recreation and convenience, this property sits just 10 minutes from the world-famous beaches of Boca Grande and 15 minutes from Englewood Beach. Golfers will appreciate the surrounding championship courses, while sports fans are only 15 minutes from the Tampa Bay Rays' spring training at Charlotte Sports Park. Whether you are exploring the Cape Haze Pioneer Trail or taking advantage of the region's world-class fishing, this home offers unparalleled access to the very best of the Gulf Coast, all while remaining within 25 minutes of I-75 for easy travel. Don't miss your opportunity to own what is arguably the best home available under $500, 000!

Features

  • Amenities: Clubhouse, Park, Playground
  • Rooms: 10
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Garage
  • Style: Florida
  • Year Built: 1978
  • Garage: 2-car Driveway, Garage Door Opener, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,432
  • Acreage: 0.3
  • Est. Taxes: $6,446
  • HOA Fee: $120 Annually
  • Lot Desc: Flood Insurance Required, In County, Landscaped, Oversized Lot, Tip Lot
  • View: Water
  • Water Front: Yes
  • Elem. School: Myakka River Elementary
  • Middle School: L.A. Ainger Middle
  • High School: Lemon Bay High
  • Pool: Auto Cleaner, Fiber Optic Lighting, Gunite, Heated, In Ground, Screen Enclosure, Tile
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
  • MLS#: C7525685
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/C7525685/14494lilliancircle_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 5/16/2026 1:08:54 PM)
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE   Phone: 941-637-6116

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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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14494 LILLIAN CIRCLE, Port Charlotte, FL, 33981

$495,000

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 $396,000 $396,000 $396,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.625% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.133% 6.739% 5.952%
Monthly Tax Payment $537 $537 $537
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,280 $2,536 $3,288
Total Monthly Payment $2,892 $3,148 $3,900

* 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.