9494 ROSEBUD CIRCLE, PORT CHARLOTTE, FL, 33981
Active12 days on marketListed Jul 19, 2026MLS #C7528486
About this home
9494 ROSEBUD CIRCLE
Virtually Staged. Live the Florida lifestyle in this one-of-a-kind two-story waterfront home, where poolside relaxation meets serious income potential. With nearly 1,875 total square feet across two fully independent living spaces, this property is perfect as a multi-generational home, an INCOME-producing rental, or both. UPDATES 2022 AC & roof, 2026 pool resurface! Downstairs (625 sq ft) Income Suite or In-Law Retreat: A private, self-contained space ideal for a short-term rental, guest studio, or mother-in-law suite. It features a kitchenette with a full-size refrigerator, microwave, and a spacious pantry with abundant cabinet and prep space; a bedroom with glass sliders opening to the backyard; a living area with sliders overlooking the pool; and a full bathroom. Upstairs (1,250 sq ft) — The Main Event Don't let the square footage fool you — this level lives large. An updated, spacious kitchen anchors the home, along with three bedrooms, two bathrooms, and separate living and dining areas. The true showstopper is the oversized balcony overlooking the pool and waterfront — a stunning spot to soak up the sun or unwind in the shade. Outdoor & Extras: Sparkling pool with waterfront views Oversized garage with room for all your toys Side pad with water and electric hookups — RV-ready Fenced yard, great for pets Whether you're seeking a versatile investment property or a home with built-in flexibility for family and guests, this home delivers waterfront Florida living with options few properties can match. And, if you're looking to enjoy some of the entertainment at the clubhouse in South Gulf Cove, you'll even be able to walk-home as it's less than a mile away!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,875
Sqft
0.26 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$207
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,033 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,033/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−5.3%
$/sqft vs PORT CHARLOTTE SEC 081
$207 vs $299
Days on market
12 vs 56 typical
Where $207/sqft sits among the 34 homes for sale in PORT CHARLOTTE SEC 081
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $301K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
18 of 34
PORT CHARLOTTE SEC 081 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 875% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 9494 ROSEBUD CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$560,000
15604 RUSTON CIRCLE · same community
3 bd · 2.5 ba · 1,866 sqft · $300/sqft · 0 DOM
Sold · May ’26$516,000
9310 ROSEBUD CIRCLE · same community
3 bd · 2 ba · 1,841 sqft · $280/sqft · 27 DOM
Sold · Apr ’26$325,000
15659 RUSTON CIRCLE · same community
4 bd · 2 ba · 1,961 sqft · $166/sqft · 227 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9494 ROSEBUD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9494 ROSEBUD CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
9494 ROSEBUD CIRCLE FAQs
What would the monthly payment be for 9494 ROSEBUD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,033/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 9494 ROSEBUD CIRCLE?+
The most recent tax bill on record (2025) was $4,934. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 9494 ROSEBUD CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $389,000, this home is listed about 16% above the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9494 ROSEBUD CIRCLE?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Heather Jorge Renner PLLC. MLS #C7528486.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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