Property
ActiveResidential
1/60
$850,000

9294 PANAMA CIRCLE

Port Charlotte, FL 33981
3
Beds
2
Baths
2,146
SqFt
0.23
Acres
STELLAR
#A4697075
Updated: Jun 30, 2026, 11:23am

Property Description

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.
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Included Appliances
Bar FridgeDishwasherDisposalExhaust FanMicrowaveRangeRefrigerator

Property Details

Highlights
View
Yes
Waterfront
Yes
Interior
Additional Rooms
Den/Library/OfficeGreat RoomInside Utility
Appliances
Bar FridgeDishwasherDisposalExhaust FanMicrowaveRangeRefrigerator
Bathrooms Total Decimal
2
Building Area Total
3119
Cooling
Central Air
Floor Number
Yes
Flooring
Ceramic Tile
Furnished
Unfurnished
Green Energy Efficient
ConstructionInsulationWindows
Green Indoor Air Quality
Integrated Pest Management
Heating
Electric
Interior Features
Attic FanAttic VentilatorCeiling Fan(s)Crown MoldingEating Space In KitchenHigh CeilingsIn Wall Pest SystemKitchen/Family Room ComboOpen FloorplanPest Guard SystemPrimary Bedroom Main FloorSmart HomeSolid Wood CabinetsSplit BedroomStone CountersThermostatTray Ceiling(s)Walk-In Closet(s)Wet BarWindow Treatments
Laundry Features
Electric Dryer HookupInsideLaundry RoomWasher Hookup
Living Area
2146
Other Equipment
GeneratorIrrigation Equipment
Rooms Total
7
Security Features
Smoke Detector(s)
Window Features
ShadesShuttersStorm Window(s)Window Treatments
Construction
Architectural Style
Florida
Builder Model
Coastal
Builder Name
DM Dean
Building Area Source
Public Records
Building Area Units
Square Feet
Construction Materials
BlockStucco
Direction Faces
Southwest
Foundation Details
Slab
Levels
One
Living Area Source
Public Records
Living Area Units
Square Feet
Property Condition
Completed
Roof
Shingle
Stories Total
Yes
Year Built
2023
Site & Exterior
Additional Water Information
The lift is built out into the canal as far as allowedwhich prevents your boat from getting stuck during drought seasons. It is a 10000 lb lift.
Covered Spaces
3
Exterior Features
Hurricane ShuttersIrrigation SystemOutdoor KitchenRain GuttersSliding Doors
Fencing
Chain Link
Flood Zone Code
AE
Garage Dimensions
29x21
Garage Spaces
3
I D X Participation
Yes
Lot Features
In CountyLandscapedLevel
Lot Size Acres
0.23
Lot Size Area
9999
Lot Size Square Feet
9999
Lot Size Units
Square Feet
Number Of Lots
Yes
Other Structures
OtherOutdoor Kitchen
Parking Features
Garage Door OpenerOversized
Patio And Porch Features
CoveredEnclosedFront PorchRear PorchScreened
Pool Features
GuniteHeatedIn GroundLightingOutside Bath AccessSalt WaterScreen Enclosure
Public Survey Range
21E
Public Survey Section
21
Road Frontage Type
Street Paved
Road Responsibility
Public Maintained Road
Road Surface Type
PavedAsphalt
Sewer
Public Sewer
Spa Features
HeatedIn Ground
Total Acreage
0 to less than 1/4
Utilities
Cable ConnectedElectricity ConnectedFiber OpticsMini SewerPropanePublicSewer ConnectedWater Connected
Vegetation
Mature LandscapingTrees/Landscaped
View
Water
Water Extras
Yes
Water Source
Canal/Lake For IrrigationPublicSee Remarks
Waterfront
Yes
Waterfront Features
Canal - Brackish
Waterfront Feet Total
80
Zoning
RSF3.5
Financials
Calculated List Price By Calculated Sq Ft
396.09
Contract Status Change Date
2026-06-23
Current Price
850000
Feed Types
BBO
Lease Considered
Yes
Minimum Lease
No Minimum
Owner Name
MICHAEL J & SHERI L CHATTERSON
Ownership
Fee Simple
Parcel Number
412121182003
Public Survey Township
41S
Tax Annual Amount
9775.95
Tax Block
4391
Tax Book Number
10-1
Tax Legal Description
PCH 071 4391 0026 PORT CHARLOTTE SEC71 BLK4391 LT 26 1143/432 1506/1472 2093/532 2149/348 2752/678 2752/680 2752/683 2752/675 3721/2063 4893/1435 5020/2161 3371675
Tax Lot
26
Tax Year
2025

Neighborhood & Lifestyle

Community & Association
Additional Lease Restrictions
There are no lease restrictions. The HOA is optional. The current owners are not members of the HOA. If you would like information on joining the HOA, call the listing agent for details.
Association Fee Requirement
Optional
M L S Area Major
33981 - Port Charlotte
Pet Restrictions
The only restrictions would be Charlotte County restrictions.
Pets Allowed
Cats OKDogs OKYes
S W Subdiv Community Name
South Gulf Cove
Subdivision Name
PORT CHARLOTTE SEC 071
Schools
Ratings
Elementary
Myakka River Elementary
Middle
L.A. Ainger Middle
High
Lemon Bay High
Listing provided courtesy of STELLAR via IDX. Updated: Jun 30, 2026, 11:23am.
Gayle Scott

Listing Agent

COLDWELL BANKER REALTY

Call Agent