David Ramirez
$859,000$889,0003 bd3 ba2,331 sqft$369 /sqft$6,012 /mo all-in ↓

13407 CHENILLE DRIVE, PORT CHARLOTTE, FL, 33981

Active90 days on marketListed May 8, 2026MLS #D6147322

Reduced $30KWaterfrontPrivate poolSingle Family ResidencePORT CHARLOTTE SEC 078

About this home

13407 CHENILLE DRIVE

WELCOME TO YOUR WATERFRONT SHOWSTOPPER—STUNNING 3 BEDROOM, 3 BATH, plus DEN, GULF ACCESS HOME where LUXURY meets LIFESTYLE and every detail is designed to IMPRESS. Perfectly situated on a coveted Gulf-access canal, this home delivers EXCEPTIONAL BOATING OPPORTUNITIES with electric and water available at the waterline. From the moment you arrive, the elegant horseshoe driveway and lush, professionally designed landscaping create a PRIVATE OASIS, enhanced by dramatic landscape lighting and a beautiful stone walkway that wraps the home. Step through the custom glass double-door entry and into a BRIGHT, OPEN FLOORPLAN with a desirable split design, offering both functionality and privacy. Inside, you’ll find wide-plank tile flooring throughout, decorative tray ceilings, and recessed lighting that create a clean, MODERN yet inviting feel. The living space is nothing short of spectacular, highlighted by dramatic zero-corner sliding glass doors that fully pocket, and seamlessly blend INDOOR/OUTDOOR living. Plantation shutters add timeless elegance, while hurricane impact windows and doors provide peace of mind. At the heart of the home is a CHEF-INSPIRED KITCHEN that truly delivers—featuring premium GE Profile appliances, a sleek induction cooktop, double ovens, a statement designer hood, and level 4 granite countertops throughout. The massive 4x10 island is PERFECT for gatherings, while custom soft-close cabinetry, under-cabinet lighting, and a walk-in pantry with custom shelving elevate both style and function. Entertain effortlessly with a stylish indoor wet bar complete with a wine fridge—because every great home deserves a GREAT HOSTING SPACE. The expansive primary suite is your PRIVATE RETREAT, thoughtfully designed for comfort and relaxation. Enjoy a separate and private office with double-panel barn doors, an oversized custom walk-in closet with a built-in floating counter, and a SPA-INSPIRED bathroom featuring a wraparound walk-in shower with multiple shower heads, floor-to-ceiling custom tile, and a private water closet. Even the everyday essentials feel elevated with a spacious laundry room—complete with built-in countertops, a large single basin sink, and GE washer and dryer—conveniently located adjoining the primary suite. Step outside and experience RESORT-STYLE LIVING at its finest. The panoramic screened lanai and extended entertaining space set the stage for unforgettable moments, featuring a heated saltwater pool and spa, LED lighting, and a tranquil waterfall feature. An integrated audio system, roll-down shades for sun protection, and a fully equipped outdoor summer kitchen make this space truly NEXT LEVEL. This home is PACKED WITH HIGH-END UPGRADES including a Bosch tankless water heater, propane service for stove and dryer, whole house generator, high-efficiency Daikin HVAC system with 12-year warranty, HVAC surge protection, open-cell insulation, and three-zone climate control for personalized comfort. The air-conditioned, epoxy-floored garage offers even more versatility with a separate den and dedicated mini-split system—ideal for a gym, office, or FLEX SPACE— insulated garage doors for added efficiency. A canal-fed irrigation system keeps the grounds lush with ease, while a comprehensive whole-home security and camera system provides ultimate peace of mind. This is not just a home—it’s a BOLD STATEMENT of thoughtful upgrades and waterfront luxury. If you’ve been waiting for something that truly STANDS OUT… THIS IS IT.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,331

Sqft

0.23 ac

Lot size

3

Garage

2023

Year built

One

Levels

$369

Per sqft

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringTile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Heat Pump · Zoned

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab · Stem Wall
ViewPool · Water
FacesSoutheast
ParkingConverted Garage · Garage Door Opener
ExteriorFrench Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

HOA fee$10/mo
Taxes (2025)$10,615/yr
PetsYes
CommunityPublic Boat Ramp · Waterfront · Clubhouse · Golf Carts OK · Park · Playground · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Natural Gas Available · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation · Public

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.

$6,012 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,635
PMI (est., until 20% equity)$322
Property tax — 2025 actual bill$885
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $85,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $85,900
Interest rate6.00%
Loan term

Estimated payment

$6,012/mo

Principal & interest$4,635
PMI (est., until 20% equity)$322
Property taxes (actual bill)$885
HOA / condo fee$10
Est. insurance$160

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.

List $859K
$664KedgeAI estimate $889,696 · range $691K$963K$1.0M

vs edgeAI estimate

−3.5%

$/sqft vs Port Charlotte actives

$369 vs $208

Days on market

90 vs 59 typical

Where $369/sqft sits among the 400 Port Charlotte actives

115
116
66
36
26
41 · this home
$130–176$176–221$221–266$266–312$312–357$357+

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

Map of 13407 CHENILLE DRIVE inside its neighborhood boundary

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

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

176 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 2103% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

CurrentPrice reduced to $859,000 $30K
May 8, 2026Listed at $889,000 · 90 days on market since
2023Built · PORT CHARLOTTE SEC 078

Reality check

What actually sold near 13407 CHENILLE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

13654 ALLAMANDA CIRCLESold · May ’26

$605,000

13654 ALLAMANDA CIRCLE · same community

3 bd · 2.5 ba · 2,243 sqft · $270/sqft · 1000 DOM

13878 ALLAMANDA CIRCLESold · Sep ’25

$675,000

13878 ALLAMANDA CIRCLE · same community

4 bd · 2 ba · 2,475 sqft · $273/sqft · 113 DOM

9453 ZORN STREETSold · May ’26

$575,000

9453 ZORN STREET · same community

3 bd · 2 ba · 2,185 sqft · $263/sqft · 884 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13407 CHENILLE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13407 CHENILLE DRIVE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

13407 CHENILLE DRIVE FAQs

What would the monthly payment be for 13407 CHENILLE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,012/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 13407 CHENILLE DRIVE?+

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 13407 CHENILLE DRIVE?+

The most recent tax bill on record (2025) was $10,615. 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 13407 CHENILLE DRIVE?+

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 $859,000, this home is listed about 158% above the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.

Which schools are assigned to 13407 CHENILLE DRIVE?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$859,000 runs 2103% above the PORT CHARLOTTE 33981 median — but at 2,331 sqft it's also 42% larger than the typical Port Charlotte listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $889,000, now $859,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Lore Mooren. MLS #D6147322.

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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