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About This Home

This 4-bedroom, 3-bathroom single family at 10498 BAY STATE DRIVE in PORT CHARLOTTE, FL is listed for $565,000 ($210 per sqft). Built in 2016, the home offers 2,685 sqft of living space on a 0.48 acres lot.

Agent Description

RARE OPPORTUNITY for X Flood Zone on DOUBLE LOT in SOUTH GULF COVE ~ This is a MUST SEE! 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!

Key Features

  • Built in 2016
  • 0.48 acre lot
  • Private pool

Property Details

3 full
2016

Amenities

PoolHardwood

Monthly Cost Estimate

$3,022/mo

20% down · 6.5% · 30 years

Principal$409
Interest$2,448
Insurance$165

Estimates only. Actual payments may vary.

Location

10498 BAY STATE DRIVE

PORT CHARLOTTE, FL 33981

PORT CHARLOTTE SEC 085

Features & Amenities

Interior Features

Ceiling Fans(s)Eat-in KitchenOpen FloorplanSplit BedroomWalk-in Closet(s)

Exterior Features

PavedFencingDog RunGardenHurricane ShuttersPrivate MailboxRain GuttersSliding DoorsPool

Property Details

Flooring

CarpetHardwoodTileTile - Ceramic

Construction

BlockStoneStucco

Parking

DrivewayGarageGarage - AttachedWorkshop

Heating

Central

Cooling

Central Air

Appliances

DishwasherDryerMicrowaveRangeRefrigeratorWasher

Questions & Answers

This 4-bedroom, 3-bathroom single family at 10498 BAY STATE DRIVE is listed at $565,000 ($210/sqft). The estimated monthly payment is $2,448 based on 20% down at 6.5% interest.

Key features include: Built in 2016, 0.48 acre lot, Private pool. Interior Features: Ceiling Fans(s), Eat-in Kitchen, Open Floorplan. Exterior Features: Paved, Fencing, Dog Run.

This property is listed by Denise Heath and can be reached at 9415252250 or denise.heath@exprealty.com.

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DH

Denise Heath

Agent at EXP REALTY LLC

(941) 525-2250

Listed by EXP REALTY LLC · View on Broker Site

MLS# D6141174· Source: listhub· Updated 404 days ago

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

10498 BAY STATE DRIVE, PORT CHARLOTTE, FL 33981

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