9294 PANAMA CIRCLE, Port Charlotte, FL, 33981 | $850,000

BOATER'S PARADISE! Built in 2023, this upgraded Gulf-access waterfront residence offers the ultimate Southwest Florida lifestyle with a private dock, pool, and access to open water. Offering 3 bedrooms, 2 baths, a dedicated office, and 2, 146 square feet, this home features a desirable split-bedroom floor plan. The private primary suite occupies its own wing of the home, while two guest bedrooms and the guest/pool bath are situated on the opposite side, with a pocket door that provides extra privacy for guests or family members. A widened paver driveway, new St. Augustine sod, and tropical landscaping create outstanding curb appeal. The landscaping is supported by a versatile irrigation system that allows the owner to utilize either a dedicated irrigation meter or canal water, providing potential savings on water usage. The chef-inspired kitchen is beautifully appointed with upgraded appliances, including a smart refrigerator with an integrated entertainment screen, an upgraded dishwasher, a range, and a custom ceiling-height vent hood, along with a beverage refrigerator, unfinished granite countertops, solid-wood soft-close custom cabinetry, abundant storage, and an open-concept design ideal for entertaining. Pocketing impact-rated sliding glass doors open the great room and kitchen to the lanai, creating seamless indoor-outdoor living. The primary en-suite retreat features sliding glass door access to the lanai with a custom blackout blind. The en-suite bath features dual shower heads and a rainfall shower. This home offers a dedicated office providing the perfect space for working remotely, hobbies, or a quiet retreat. Outdoor living takes center stage with an extended lanai, panoramic screen enclosure, outdoor kitchen with built-in beverage refrigerator, outdoor shower, and an automated heated pool and spa system with waterfall feature. An electronic remote-controlled hurricane screen encloses the lanai for added protection and secure storage during storms or extended absences. Built with both comfort and peace of mind, the home features impact-rated windows and sliding glass doors, a whole-home Generac generator powered by dual 250-gallon propane tanks, integrated smart-home technology, and polyurethane spray-foam insulation for enhanced energy efficiency and climate control. Additional storm protection includes an electronic roll-down hurricane shutter at the front entryway. Architectural details include 10-foot ceilings throughout, and the foyer, great room, office, primary suite, and lanai feature custom tray ceilings, upgraded interior doors, transom windows, and abundant recessed lighting. Boaters will appreciate the extended composite dock and covered 10, 000-pound boat lift. Extending farther into the canal, the dock provides improved access during low-water conditions while maximizing enjoyment of this exceptional Gulf-access location. Additional upgrades include backyard fencing, an epoxy-coated garage floor, garage storage ceiling-Furniture is racking system, utility tub, new irrigation pump, and custom Bahama shutters throughout. Located in South Gulf Cove, residents enjoy parks, sidewalks, an optional HOA, and no mandatory association fees. Offered at a highly competitive price, given its extensive upgrades, newer construction, Gulf access, and exceptional boating amenities, this waterfront home represents outstanding value in today's market.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Florida
  • Year Built: 2023
  • Garage: 3-car Garage Door Opener, Oversized
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,146
  • Acreage: 0.23
  • Est. Taxes: $9,776
  • Lot Desc: In County, Landscaped, Level
  • View: Water
  • Water Front: Yes
  • Elem. School: Myakka River Elementary
  • Middle School: L.A. Ainger Middle
  • High School: Lemon Bay High
  • Pool: Gunite, Heated, In Ground, Lighting, Outside Bath Access, Salt Water, Screen Enclosure
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Bar Fridge, Dishwasher, Disposal, Exhaust Fan, Microwave, Range, Refrigerator
  • MLS#: A4697075
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/A4697075/9294panamacircle_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 7/7/2026 12:32:17 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 941-907-1033

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NMLS Mortgage Loan Originator ID 16953

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9294 PANAMA CIRCLE, Port Charlotte, FL, 33981

$850,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $680,000 $680,000 $680,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.251% 6.121% 6.183%
Monthly Tax Payment $815 $815 $815
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,968 $4,077 $5,738
Total Monthly Payment $4,875 $4,984 $6,645

* 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.