Gulf Cove Homes under $500,000

Gulf Cove Homes under $500,000

Welcome to Gulf Cove, a hidden gem nestled in the picturesque landscape of Port Charlotte, Florida. This charming subdivision offers a perfect blend of serene living and vibrant community life, making it an ideal choice for families, retirees, and anyone seeking a tranquil yet engaging environment.

Gulf Cove is renowned for its beautiful natural surroundings, with lush greenery and scenic waterways that provide endless opportunities for outdoor activities. Whether you enjoy fishing, boating, or simply taking leisurely strolls along the peaceful streets, this community has something for everyone. The nearby Myakka River and Charlotte Harbor offer stunning views and recreational options that are sure to delight nature enthusiasts.

One of the standout features of Gulf Cove is its diverse range of homes, many of which are available for under $500,000. This affordability allows residents to enjoy the benefits of Florida living without breaking the bank. From charming single-family homes to modern designs, there’s a perfect fit for every taste and budget. Many properties boast spacious yards, updated interiors, and proximity to local amenities, ensuring that you can enjoy the best of both comfort and convenience.

In addition to its beautiful homes, Gulf Cove is conveniently located near shopping centers, restaurants, and recreational facilities, making everyday living a breeze. With its welcoming atmosphere and community spirit, Gulf Cove is more than just a subdivision; it’s a place to call home. Come explore the possibilities and discover why Gulf Cove is the perfect choice for your next real estate investment!

Newest Gulf Cove Homes under $500,000

12115 Terkelsen Avenue, Port Charlotte
$269,000
2 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Welcome to your Gulf Cove oasis! Situated in Flood Zone X on an oversized 0.6-acre double corner lot, this beautifully updated 2-bedroom, 2-bathroom home offers the ultimate Florida lifestyle with unmatched space and privacy. Step inside to an open and airy split floor plan featuring vaulted ceilings and abundant natural light. The living room, dining room, and secondary bedroom feature Pergo Timbercraft Waterproof Laminate Wood Flooring, while the primary bedroom offers Trafficmaster Laminate Flooring, and the updated primary bath showcases porcelain flooring. The inviting kitchen boasts warm wood cabinetry, sleek stainless steel appliances including a new stove, porcelain flooring and an open layout that flows seamlessly into the dining and living areas. The oversized second bedroom provides excellent flexibility and features plenty of closet space, while the second bathroom has been thoughtfully updated with modern finishes, including stunning marble-look shower tiling and ceramic tile flooring. Peace of mind is paramount with full impact windows, a 2021 roof, a 2025 AC system, and a 2018 water heater, plus the convenience of an inside laundry room and an attached 2-car garage. Outside, the expansive lot is a blank canvas. With French doors opening to the backyard, there is endless room to park your boat or RV, build a custom pool and lanai, or even add a detached garage or workshop. Enjoy the perks of the neighborhood with a voluntary $75 HOA that grants access to the beautiful community park and private boat launch along the Myakka River. Set in a quiet residential neighborhood just a short drive from pristine area beaches, shopping, and dining, this home truly has it all. What are you waiting for? Schedule your showing today!

12115 Terkelsen Avenue, Port Charlotte
12068 Shellnut Avenue, Port Charlotte
$369,999
4 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
BUILT IN 2024, FULLY FURNISHED, AND MOVE-IN READY! Welcome to this beautiful 4-bedroom, 2-bath home situated on a spacious corner lot in a peaceful Gulf Cove neighborhood. Featuring an open floor plan, vaulted ceilings, granite countertops, stainless steel appliances, hurricane-impact-resistant windows and front entry door, and a desirable split-bedroom layout, this home offers modern style, added storm protection, and everyday comfort, paved driveway. Enjoy Florida living with a screened-in lanai, irrigation system, and newly planted fruit trees that add charm to the outdoor space. A standout feature is the garage, transformed into an inviting entertainment area complete with a pool table, lounge space, and recreational amenities. A dedicated mini-split A/C system provides year-round comfort, making this a versatile space for relaxing or entertaining. Offered fully furnished, excluding select personal belongings, this property is ideal as a primary residence, seasonal retreat, or vacation getaway. Flood zone X, and a 10-YEAR BUILDER FOUNDATION WARRANTY WITH APPROXIMATELY 8 YEARS REMAINING, subject to warranty terms and transferability. NO MANDATORY HOA! Enjoy the added benefit of optional Gulf Cove Property Owners Association membership, offering access to a private community boat ramp and waterfront park. Boating enthusiasts will appreciate convenient access to the Myakka River, Charlotte Harbor, and the Gulf of Mexico. Optional membership and boat ramp fees apply, subject to association eligibility and regulations. Why wait to build when you can enjoy a nearly new home with so many extras already in place? Schedule your private showing today!

12068 Shellnut Avenue, Port Charlotte
5412 Gulfport Terrace, Port Charlotte
$274,900
3 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Welcome home to 5412 Gulfport Terrace, an immaculately maintained 3-bedroom, 2-bathroom, 2-car garage residence situated on a beautifully manicured LOT WITH ROOM FOR A POOL. Perfectly positioned on the desirable Englewood side of Port Charlotte, this property offers an exceptional location near the Myakka River, world-class tarpon fishing & the pristine shores of Boca Grande, and the vibrant sandy beaches of Manasota Key. Enjoy effortless access to historic Dearborn Street, 7 LOCAL PUBLIC GOLF COURSES, scenic nature trails, parks, everyday shopping, and popular dining spots. From the moment you arrive, the magnificent curb appeal stands out, highlighted by a NEW DRIVEWAY (2025), and a NEW HURRICANE IMPACT GARAGE DOOR AND OPENER (2022) and a SLIDING SCREEN DOOR as well! Inside, the thoughtful SPLIT-BEDROOM FLOOR PLAN provides wonderful privacy for family and visitors alike, enhanced by FRESH INTERIOR PAINT (2022) and NEW CARPET IN ALL BEDROOMS. The spacious MASTER SUITE serves as a peaceful retreat, featuring a private EN-SUITE BATHROOM and a generous WALK-IN CLOSET. On the opposite side of the home, you will find two charming, sunlight-filled GUEST BEDROOMS that offer cozy comfort for family or out-of-town guests, paired with a SHARED GUEST BATHROOM designed for ease and convenience. At the heart of the home, daily living is supported by major high-value upgrades, including a NEW ROOF (2022), NEW HVAC SYSTEM (2024), NEW WATER HEATER (2022), and a NEW GARBAGE DISPOSAL (2025). The dedicated INSIDE LAUNDRY ROOM comes fully equipped with a washer and dryer, utility sink, and ample cabinet storage. Extending your living space outdoors is an EXPANSIVE, EXTENDED LANAI—freshly REPAINTED IN 2025—that is fully ENCLOSED WITH VINYL WINDOWS, offering versatile space that could easily be converted into an additional bedroom or extra family room while still leaving a wonderfully large covered lanai for outdoor relaxation. With the screened front enclosure and doors open to the back lanai you will enjoy a beautiful crossbreeze on those crisp Fall Florida Days! Combining comfort & ultimate peace of mind with an unbeatable location, this move-in-ready sanctuary is ready to welcome you to the quintessential Florida lifestyle.

5412 Gulfport Terrace, Port Charlotte
13173 Feldspar Avenue, Port Charlotte
$363,000
4 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Your Southwest Florida Dream Home Awaits! Welcome to this beautifully designed new-construction home, where modern comfort meets effortless Florida living. Offering 2,330 square feet of thoughtfully designed living space, this stunning residence features 4 spacious bedrooms and 2 beautifully appointed bathrooms, including a convenient pool bath. Step inside and experience the refined appeal of Elevation B, thoughtfully enhanced with modern upgrades throughout. The open-concept floor plan creates a bright, welcoming atmosphere, while stylish plank tile flooring flows throughout the main living areas. Two sets of exterior French-glass doors seamlessly connect the interior to an impressive 23' x 8' covered lanai—the perfect spot for morning coffee, relaxing evenings, or entertaining friends and family. The heart of the home is the beautifully appointed kitchen, featuring timeless granite countertops, upgraded cabinetry, and stainless-steel appliances, including a range, microwave, dishwasher, and garbage disposal. The bathrooms continue the home's elegant, cohesive design with granite finishes and quality upgrades. Retreat to the spacious primary suite, designed to feel like your own private sanctuary. A distinctive step ceiling adds architectural character, while the en-suite bathroom offers a stunning 5-foot tiled walk-in shower, complete with beautifully tiled walls and flooring. Outside, enjoy the ease of a professionally finished yard with Bahia sod and an irrigation system, helping keep your lawn lush and inviting year-round. Additional highlights include step ceilings in the bedroom and dining room, city water, and premium upgrades. And the best part? This home is ready to make your move easier with a convenient Move-In Package that includes a washer, dryer, refrigerator, garage door opener, and window blinds. Located just a short drive from both local and international airports and close to the shopping, dining, recreation, beaches, and other amenities that make Southwest Florida such a sought-after place to call home, this property offers the perfect blend of comfort, convenience, and Florida lifestyle. Don't miss your second chance to make this exceptional home yours. Come see it, fall in love, and start living the Southwest Florida dream! All of our New Homes come with a 1 year/2 year/10-year Warranties. Move in Worry free! ~~ Subject to Errors & Omissions ~~

13173 Feldspar Avenue, Port Charlotte
13188 Gorman Avenue, Port Charlotte
$399,950
4 Beds ⋅ 3 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
This Beautiful New 2117 Sqft with CR Elevation has just come up available in Gulf Cove! Upgrades Include: Open Floor Plan, Ceramic Plank Tile- ALL EXCEPT BEDROOMS, Pair of exterior French- Glass Doors leading to 21' x 10' Covered Patio, Granite Countertops in Kitchen and Baths, Stainless Steel Appliances (microwave, range, refrigerator, dishwasher), Upgraded Cabinets, Step Ceiling in the Primary Bedroom, Separate Tiled Shower in Master bath, garage door opener, washer, dryer, Irrigation System w/ Bahia Sod. All of our New Homes come with a 1 year/2 year/10-year Warranties. Move in Worry free! Adams Homes Pays the Majority of closing costs with use of Preferred Lenders. ~~ Subject to Errors & Omissions ~~

13188 Gorman Avenue, Port Charlotte
5184 Ellsworth Terrace, Port Charlotte
$369,500
3 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Virtually Staged. Situated on an oversized corner lot in Gulf Cove, this spacious 3 bedroom, 2 bathroom pool home offers 2,078 square feet of living space, abundant natural light, and a split bedroom layout. The large primary suite features an en suite bathroom and an adjoining bonus room, ideal for a private office, reading room, or sitting area, with sliding glass doors leading to the lanai and pool. The second bathroom provides convenient access directly to the pool area. The screened pool and lanai offer space to relax, entertain, and enjoy the Florida sunshine. Improvements include a 2024 Worthouse Metal Roofing System, a 2024 pool enclosure, pool resurfacing in 2023, and a new pool pump in 2026. Additional features include a 50 amp EV charger in the garage and public water and sewer. Gulf Cove’s private waterfront park and boat ramp are approximately a two minute drive away, with optional park membership and a separate boat ramp decal available for $75 each annually. With a spacious layout and the opportunity to update the interior to your taste, this home offers plenty of potential to make it your own. Enjoy nearby shopping and dining, with the beautiful beaches of Boca Grande and Englewood within reach. With a spacious layout and the opportunity to update the interior to your taste, this home offers plenty of potential to make it your own. Enjoy nearby shopping and dining, with the beautiful Gulf Coast beaches of Boca Grande and Englewood within easy reach. Bring your vision and discover the possibilities!

5184 Ellsworth Terrace, Port Charlotte
3059 Holcomb Road, Port Charlotte
$425,000
3 Beds ⋅ 3 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Discover this charming 3-bedroom, 3-bath home situated on an oversized 0.46-acre double lot with peaceful water views in the desirable Gulf Cove community of Port Charlotte, Florida! Offering 1,796 square feet of living space, this property combines comfort, privacy, and endless possibilities for enjoying the Southwest Florida lifestyle. An expansive screened front porch welcomes you with tranquil water views, providing the perfect setting for morning coffee or relaxing evening sunsets. Step inside through elegant double French doors to a bright, inviting interior featuring a desirable split-bedroom floor plan. The spacious family room showcases a cozy wood-burning fireplace, creating a warm and welcoming atmosphere for everyday living and entertaining. The primary suite offers a private retreat with an ensuite bathroom, walk-in closets, and French doors opening directly to the screened front porch, where you can enjoy beautiful water views. The third bedroom also features French door access to the porch, adding character and versatility to the home's thoughtful design. Outdoor living is where this property truly shines! Situated on nearly half an acre, the oversized double lot provides exceptional space and privacy, with plenty of room to add a pool, expand your outdoor entertaining areas, or create your own tropical backyard oasis. The expansive covered ground-level area is ideal for barbecues, gatherings, and entertaining, while the backyard fire pit provides an inviting space to relax with family and friends. Additional highlights include an oversized 2-car garage, two carports, and a versatile lower-level space offering possibilities for a guest retreat, hobby room, bonus room, or additional entertaining space. With ample parking and room for recreational vehicles, this property offers flexibility to accommodate a variety of lifestyles. Located in Gulf Cove, with no mandatory HOA, you'll enjoy the freedom to make this property your own while being conveniently located near shopping, dining, golf courses, boating, and the beautiful Gulf beaches of Southwest Florida. Water views, nearly half an acre, generous outdoor living space, and incredible potential—this property offers a wonderful opportunity to embrace the Florida lifestyle! Schedule your private showing today!

3059 Holcomb Road, Port Charlotte
13480 Drysdale Avenue, Port Charlotte
$329,900
3 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Brand-new 2026 construction, never occupied and move-in ready. This beautifully finished home features a modern open-concept design with quality materials and attention to detail throughout, including ceramic tile flooring, granite countertops, wood cabinetry, modern finishes, indoor laundry, covered lanai and an attached garage. Bright, clean and impeccably maintained. Seller/Builder is open to reasonable negotiations and willing to work with qualified buyers to reach mutually agreeable terms. Easy to show. Please submit all offers with current proof of funds or lender pre-approval. Buyer and Buyer's Agent to independently verify measurements, square footage, taxes, flood information, permits, schools and all information deemed important to Buyer.

13480 Drysdale Avenue, Port Charlotte
14062 Hopewell Avenue, Port Charlotte
$292,000
3 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
This charming well maintained home offers a great floor plan that’s perfect for seasonal use -or year round living.  Vaulted Ceilings, a beautiful Kitchen with 42" upper cabinets and Stainless Steel appliances Complete with a  Large Island with seating. Kitchen is open to the Dining Room and the Living Room -and both overlook a large covered lanai. This 3 Bedroom / 2 Bath home boasts Split Floor Plan. The new owner will enjoy the spacious primary Bedroom overlooking the backyard ~plus a door out to the lanai. The ensuite Bathroom is huge with double sinks and a large shower. In the front of this home is a second Large Bedroom -this one with beautiful Bay Windows that overlook the front porch and colorful plantings. Every room has been freshly painted. Solar Panels on the roof will save you money on electric! In Gulf Cove you’ll enjoy the freedom of  NO HOA restrictions, and NO CDD fees added to your tax bill every year. This well maintained home is located on a nice quiet street ~and only about 20 minutes to Englewood Beach for swimming, boating, fishing, parasailing and waterfront dining. For the sports enthusiast Tampa Bay Rays spring training facility is 5 miles away. Gulf Cove offers a variety of informal neighborhood gatherings at community park. Publix (grocery store), Aldi, Banks, tons of Restaurants and plenty of Shopping are all nearby for your convenience. Gulf Cove offers casual Florida living at it's best! BOATERS: Just one bridge out from Gulf Cove's Private Waterfront Park with Boat Launch and you're enjoying Charlotte Harbor, and then on to the Gulf. (Optional park/boat sticker runs just $150 / year.) This is Florida living at its best!

14062 Hopewell Avenue, Port Charlotte
5281 Forbes Terrace, Port Charlotte
$340,000
3 Beds ⋅ 3 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Look closely at this deal on a Gulf Cove waterfront home newly appointed with a modern kitchen, built-in wall ovens, large cooking island with stainless-steel hood, updated finishes, and roof-mounted solar panels. Spacious living areas with a Florida room overlooking your water. Ceramic tile throughout the entire home, full laundry room and three full bathrooms. Large oak trees cover a back patio area with outdoor shower, firepit, and room for entertaining. Enjoy the waters of the Gulf with your seawater canal views, dock, and davits. The community of Gulf Cove offers optional access to a private boat ramp and waterfront park, where you can access the Myakka River, Charlotte Harbor, and the Gulf of America. The area provides convenient access to boating, fishing, golf, dining, shopping, nature areas, and Charlotte Sports Park, home to Tampa Bay Rays spring training.

5281 Forbes Terrace, Port Charlotte
6006 Gillot Boulevard, Port Charlotte
$359,900
3 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
ADDITIONAL LOT INCLUDED IN SALE at 14023 Fillmore Ave (402133356002)! This unique opportunity provides road-to-road access from Gillot Boulevard to Fillmore Avenue, giving you additional land and flexibility rarely found in Gulf Cove. With no deed restrictions and no mandatory HOA, you have the freedom to enjoy the property your way, plus a dedicated RV/boat pad for your recreational vehicles. Gulf Cove's voluntary property owners association offers the option to access the private community boat ramp and park, providing access to the Myakka River, Charlotte Harbor and the Gulf beyond. Turnkey furnishings are negotiable. This meticulously maintained pool home has been thoughtfully updated and cared for, with a roof replaced in 2020, windows replaced in 2021, HVAC replaced in 2019, hot water heater replaced in 2023, pool resurfaced in 2019, pool heater added in 2021, pool cage replaced in 2023 and a newer fence. The kitchen features quartz countertops, glass tile backsplash and newer stainless steel appliances, including a refrigerator replaced 2 years ago, stove replaced 1 year ago and dishwasher replaced 1 year ago. Additional improvements include an updated electrical panel with heavy-up for the pool heater and paver patio. Inside, warm finishes and tile flooring create an inviting Florida atmosphere. The spacious family room features a striking travertine wood-burning fireplace and multiple sliding glass doors that open to the covered lanai, sun patio and sparkling private pool. The primary bath has been updated, while the fenced yard provides additional privacy and includes a dog run. Gulf Cove is a riverfront community conveniently located near shopping, dining, golf, medical facilities, nature parks and some of Southwest Florida's most desirable beaches, including Boca Grande, Englewood Beach and Manasota Key. Enjoy boating, fishing and outdoor recreation while remaining close to the everyday conveniences you need. An additional lot, road-to-road access, RV/boat pad, private pool, extensive updates, optional community amenities and no deed restrictions make this a property with exceptional flexibility. Whether you're looking for a full-time residence, vacation getaway or investment property, turnkey furnishings are negotiable and this Gulf Cove home is ready to enjoy. Schedule your private showing today!

6006 Gillot Boulevard, Port Charlotte
5371 Fleming Street, Port Charlotte
$339,000
3 Beds ⋅ 2 Baths ⋅ Gulf Cove SubDv. ⋅ 33981 Zip Code
Welcome to this beautifully designed 3-bedroom, 2-bath home offering 1,639 sq. ft. of comfortable living space, a 2-car garage, and a well-planned layout that makes excellent use of every square foot. The bright and open living area features vaulted ceilings and flows seamlessly into the spacious kitchen and dining area. The kitchen is equipped with granite countertops, stainless steel appliances, a large center island, recessed lighting, and plenty of space for everyday living and entertaining. French doors lead to the lanai, creating an inviting indoor-outdoor living experience. The primary suite features a walk-in closet and private bathroom with dual sinks and a corner shower. Two additional bedrooms are conveniently located near the second bathroom with a tub/shower combination. The home also offers a dedicated laundry room, tile flooring throughout, granite countertops in both bathrooms, ceiling fans in every room, and hurricane/storm shutters. Located in a pleasant neighborhood with no mandatory HOA—HOA membership is optional. Enjoy convenient access to shopping, dining, and everyday amenities, with some of the Gulf Coast’s beautiful beaches just a short drive away. This home offers a wonderful combination of comfort, functionality, and the relaxed Florida lifestyle.

5371 Fleming Street, Port Charlotte
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