10386 WINNIPEG STREET, PORT CHARLOTTE, FL, 33981
Active39 days on marketListed Jul 6, 2026MLS #A4699001
About this home
10386 WINNIPEG STREET
A rare opportunity to own a truly turnkey luxury waterfront home in South Gulf Cove! Built in 2017, this custom-designed 3-bedroom, 2-bath residence with a spacious loft, oversized 3-car garage, and approximately 2,400 sq. ft. of living space showcases exceptional craftsmanship and premium finishes throughout. The open floor plan features soaring ceilings, a stunning coffered ceiling in the great room, 8-foot interior doors, custom trim work, designer lighting and plumbing fixtures, and a chef's kitchen with custom cabinetry and high-end appliances. Every detail reflects quality construction and pride of ownership. Perfectly positioned on a private canal with beautiful water views, this home offers direct access to deep water with no bridges—ideal for boating and fishing enthusiasts. Enjoy Florida living year-round from the screened lanai featuring a heated pool, fully equipped outdoor kitchen with built-in gas grill, and generous entertaining space overlooking the water. A private wooden dock completes this exceptional waterfront setting. What truly makes this property one of a kind is that it is being offered completely furnished and equipped. Virtually everything you see is included: designer furniture, décor, TVs, kitchenware, premium appliances, bed linens, bath linens, outdoor furniture, gym equipment, pool table, and even two newer electric bikes with fewer than 500 miles each. Simply bring your suitcase and start enjoying the Florida lifestyle on day one. Whether you're searching for a primary residence, a vacation getaway, or a high-end short-term rental investment, this home is ready to enjoy immediately with no additional expense. Luxury waterfront homes of this caliber, offered completely turnkey, are exceptionally rare. Don't miss your chance to own one of South Gulf Cove's finest properties!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,390
Sqft
0.23 ac
Lot size
3
Garage
2017
Year built
One
Levels
$372
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 and the real association fee — not generic estimates.
$6,462 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,462/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+4.3%
$/sqft vs PORT CHARLOTTE SEC 87
$372 vs $319
Days on market
39 vs 59 typical
Where $372/sqft sits among the 23 homes for sale in PORT CHARLOTTE SEC 87
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 → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
19 of 23
PORT CHARLOTTE SEC 87 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2179% 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 10386 WINNIPEG STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$995,736
14726 LILLIAN CIRCLE · same community
3 bd · 3 ba · 2,423 sqft · $411/sqft · 0 DOM
Sold · Sep ’25$675,000
14207 UNION HALL AVENUE · same community
3 bd · 2.5 ba · 2,445 sqft · $276/sqft · 501 DOM
Sold · Jun ’26$348,000
10225 WINNIPEG STREET · same community
4 bd · 2 ba · 2,330 sqft · $149/sqft · 531 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10386 WINNIPEG STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10386 WINNIPEG STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10386 WINNIPEG STREET FAQs
What would the monthly payment be for 10386 WINNIPEG STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,462/mo — principal and interest, the actual property-tax bill, the $10/mo association fee 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.
How much are the HOA fees at 10386 WINNIPEG STREET?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10386 WINNIPEG STREET?+
The most recent tax bill on record (2025) was $13,937. 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 10386 WINNIPEG STREET?+
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 $889,000, this home is listed about 169% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10386 WINNIPEG STREET?+
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 RAYNARD REALTY GROUP LLC · Julien Raynard. MLS #A4699001.
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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