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SOUTH GULF COVE X ZONE ~ A RARE Opportunity! Welcome to 10498 Bay State, a Well-Designed 4-Bedroom 3-Bath 3-Car Garage Home with Private Home office, Workshop in Garage and HEATED POOL on a DOUBLE X ZONE LOT in the highly desired Gulf Access community, South Gulf Cove! This property is located on a rare double lot that backs to a greenbelt, offers sunrise views from your Lanai, and offers unobstructed views of the Santa Cruz Waterway from your pool and backyard. With nearly 2,700 square feet of living space, this home offers plenty of room for family and guests, and a possible in-law suite for those looking for multi-generational home options. The foyer is welcoming, with ample space for a book nook or console table and leads to 2 Guest Rooms that share a Full Bath and Linen Closet. Across the hall, you'll be pleasantly surprised to find a very large Laundry Room with Cabinets and Storage, adjacent to an En-Suite / In-Law Suite with Full Bath and Walk In Closet. Proceed to the main living spaces, your Kitchen features a large island with Bar Height seating, lots of cabinets, farmhouse sink, and built in shelving in the WALK-IN Pantry. The Living Room and Dining Room flank the Kitchen and Breakfast nook, maintaining a seamless flow for conversations and natural light. But wait, there's more! The frosted glass French Doors open to a Home Office / Study, with quick access through the living rooms sliders to the Lanai and Pool Deck. The Primary Bedroom is generous in size and offers a complete En Suite with Dual Sinks, Garden Tub, and large Walk In Closet. The home boasts a host of recent updates, including a new roof and new HVAC system, providing peace of mind and energy efficiency. The property is also located in an X Flood Zone, meaning no flood insurance is required! For those with furry friends, the fenced dog run offers a safe and secure space to play. The 3-car garage is a true standout, featuring mini split AC system, workbench, overhead lighting and retractable extension cord, as well as built-in storage components - making it an ideal space for projects and hobbies. This property is ideally situated just minutes from several public boat ramps, providing easy access to the community's waterways, the Intracoastal Waterway, and the Gulf. Whether you're an avid boater or just love coastal living, you'll find everything you need right at your doorstep. You're only 15 minutes drive to Gulf Beaches, world-class fishing, 99 holes of golf, shopping, dining, and the Tampa Bay Rays' Spring training facility! Enjoy the benefits of an optional HOA at just $120 per year, minimal deed restrictions, and several pocket parks and walking paths, providing flexibility while still enjoying the community's perks. Whether you're seeking a peaceful retreat, investment property or a home with room to grow, this property has it all. Don't miss out - schedule your showing today and make this paradise yours!
| DAYS ON MARKET | 279 | LAST UPDATED | 11/19/2025 |
|---|---|---|---|
| TRACT | PORT CHARLOTTE SEC 085 | YEAR BUILT | 2016 |
| COMMUNITY | 33981 - Port Charlotte | GARAGE SPACES | 3.0 |
| COUNTY | Charlotte | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Myakka River Elementary |
|---|---|
| Jr. High School | L.A. Ainger Middle |
| High School | Lemon Bay High |
| PRICE HISTORY | |
| Prior to Apr 28, '25 | $675,000 |
|---|---|
| Apr 28, '25 - Jun 19, '25 | $650,000 |
| Jun 19, '25 - Sep 22, '25 | $599,999 |
| Sep 22, '25 - Nov 19, '25 | $578,000 |
| Nov 19, '25 - Today | $565,000 |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| APPLIANCES | Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer |
| AREA | 33981 - Port Charlotte |
| CONSTRUCTION | Block, Stone, Stucco |
| EXTERIOR | Dog Run, Garden, Rain Gutters |
| GARAGE | Yes |
| HEAT | Central |
| HOA DUES | 120 |
| INTERIOR | Eat-in Kitchen, Open Floorplan, Walk-In Closet(s) |
| LOT | 0.48 acre(s) |
| LOT DESCRIPTION | Greenbelt, Paved |
| PARKING | Driveway, Garage Door Opener, Workshop in Garage, Attached |
| POOL | Yes |
| POOL DESCRIPTION | Gunite, In Ground, Indoor, Private |
| SEWER | Public Sewer |
| STORIES | 1 |
| SUBDIVISION | PORT CHARLOTTE SEC 085 |
| TAXES | 5413.11 |
| UTILITIES | Electricity Connected, Sewer Connected, Water Connected |
| VIEW | Yes |
| VIEW DESCRIPTION | Park/Greenbelt, Pool, Trees/Woods, Water |
| WATER | Public |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
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Listing provided by Denise Heath, EXP REALTY LLC, 888-883-8509
The information contained herein has been provided by My Florida Regional MLS DBA Stellar MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Listings last updated 12/5/25 9:47 PM PST.
This IDX solution is (c) Diverse Solutions 2025.