13481 DARNELL AVENUE, PORT CHARLOTTE, FL, 33981
Pending5 days on marketListed Aug 2, 2026MLS #C7529106
About this home
13481 DARNELL AVENUE
Gardens of Gulf Cove....3 Bedroom, 2 Bathroom home with attached one car Garage. Open floor plan with Great Room, Dining room, Kitchen. Three generous sized bedrooms. Guest bathroom has a tub/shower combo and the master bedroom has a walk in shower. Sliding glass doors lead to a huge 25x10 lanai with screens and vinyl windows. Good sized back yard for your family. Utilities are public water and sewer. The Gardens of Gulf Cove features public roads lined with sidewalks and 5 scenic lakes where you're likely to see a variety of birds and wildlife. They have two building facilities - Clubhouse and Recreation Center - each with a pool and multiple amenities for residents and their personal guests only. This is a deed restricted community and the annual assessment is $470 per year and covers the maintenance, management, public utilities and insurance of all common ground and amenities. This home is minutes from shopping and dining and only 9 miles from Englewood Beach.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,092
Sqft
0.17 ac
Lot size
1
Garage
1975
Year built
One
Levels
$22
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.
$604 /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
$604/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
−88.8%
Days on market
5 vs 59 typical
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 Englewood East
Get to know Port Charlotte. See the full Port Charlotte guide →
Englewood East — neighborhood snapshot
Population
12,116
Median age
58
Median income
$62,950
Median home value
$270,898
Avg household
2
Households w/ children
673
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
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 13481 DARNELL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13481 DARNELL AVENUE — 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
13481 DARNELL AVENUE FAQs
What would the monthly payment be for 13481 DARNELL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $604/mo — principal and interest, the actual property-tax bill, the $39/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 13481 DARNELL AVENUE?+
The association fee works out to $39 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13481 DARNELL AVENUE?+
The most recent tax bill on record (2025) was $3,039. 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 13481 DARNELL AVENUE?+
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 $24,000, this home is listed about 93% below the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 13481 DARNELL AVENUE?+
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.
Listing courtesy of RE/MAX ALLIANCE GROUP · Gerald Hayes. MLS #C7529106.
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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