18970 MCGRATH CIRCLE, PORT CHARLOTTE, FL, 33948
Active195 days on marketListed Jan 21, 2026MLS #C7520498
About this home
18970 MCGRATH CIRCLE
MOVE-IN READY, FULLY FURNISHED, AND PACKED WITH UPGRADES! This beautifully maintained 3 BEDROOM, 2 BATHROOM HOME offers the perfect combination of modern improvements, peace of mind, and everyday convenience. Located in a quiet, established neighborhood just minutes from shopping, dining, medical facilities, parks, and nearby waterfront recreation, this home is ready for you to move in and start enjoying the Florida lifestyle from day one. Designed for low-maintenance living, this property has been thoughtfully updated with major improvements throughout. Recent upgrades include a NEW ROOF, HURRICANE IMPACT WINDOWS AND DOORS, a 2017 A/C SYSTEM, a NEW WATER HEATER (2024), and NEW KITCHEN APPLIANCES (2024). Additional enhancements such as a NEW FRONT DOOR, NEW GARAGE DOOR, and NEW GARAGE DOOR OPENER provide added curb appeal and everyday convenience. Inside, you'll find a bright, functional floor plan with comfortable living spaces and easy-to-maintain finishes. Being offered FULLY FURNISHED, this home is ideal for full-time residents, seasonal homeowners, or investors looking for a truly turnkey opportunity. Step outside and discover even more value. A NEW PRIVACY FENCE INSTALLED IN 2024 creates a secluded backyard retreat, while the NEW STORAGE SHED provides plenty of room for tools, lawn equipment, and outdoor gear. A 12-FOOT DOUBLE GATE and DRIVEWAY APRON on the south side of the property offer convenient access for storing a BOAT, TRAILER, RV, OR OTHER RECREATIONAL EQUIPMENT securely within the fenced yard. With NO HOA, you'll enjoy the freedom to make the most of your property without unnecessary restrictions. Whether you're entertaining guests, relaxing outdoors, or simply enjoying the additional space, the backyard offers endless possibilities. Whether you're searching for a primary residence, seasonal escape, investment property, or downsizing opportunity, this home checks all the boxes. Combining MAJOR SYSTEM UPDATES, STORM-READY FEATURES, FURNISHINGS INCLUDED, and a highly convenient location, this is a rare opportunity to own a truly move-in-ready home with exceptional value. DON'T MISS YOUR CHANCE TO MAKE THIS BEAUTIFULLY UPDATED HOME YOURS—SCHEDULE YOUR PRIVATE SHOWING TODAY!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
933
Sqft
0.24 ac
Lot size
1
Garage
1984
Year built
One
Levels
$253
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.
$1,871 /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
$1,871/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.
$/sqft vs Port Charlotte actives
$253 vs $208
Days on market
195 vs 59 typical
Where $253/sqft sits among the 400 Port Charlotte actives
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 O'hara
Get to know Port Charlotte. See the full Port Charlotte guide →
O'hara — neighborhood snapshot
Population
5,202
Median age
58
Median income
$75,856
Median home value
$383,125
Avg household
2
Households w/ children
392
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)
167 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 686% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 18970 MCGRATH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$195,000
4358 PATES STREET · same community
2 bd · 1 ba · 904 sqft · $216/sqft · 70 DOM
Sold · May ’26$300,000
18854 ACKERMAN AVENUE · same community
3 bd · 2 ba · 1,418 sqft · $212/sqft · 87 DOM
Sold · Sep ’25$295,000
18978 MCGRATH CIRCLE · same community
3 bd · 2 ba · 1,756 sqft · $168/sqft · 286 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 18970 MCGRATH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18970 MCGRATH CIRCLE — 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
18970 MCGRATH CIRCLE FAQs
What would the monthly payment be for 18970 MCGRATH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,871/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 18970 MCGRATH CIRCLE?+
The most recent tax bill on record (2025) was $2,616. 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 18970 MCGRATH 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 $235,900, this home is listed about 29% below the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18970 MCGRATH CIRCLE?+
Murdock Middle School (middle), Meadow Park Elementary School (elementary), Port Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$235,900 runs 686% above the PORT CHARLOTTE 33948 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
195 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $260,000, now $235,900 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · Christopher Grant. MLS #C7520498.
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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