David Ramirez
$769,9003 bd2 ba1,801 sqft$427 /sqft$5,138 /mo all-in ↓

15658 APPLEWHITE CIRCLE, PORT CHARLOTTE, FL, 33981

Active63 days on marketListed May 23, 2026MLS #D6147404

WaterfrontPrivate poolSingle Family ResidencePORT CHARLOTTE SEC 082

About this home

15658 APPLEWHITE CIRCLE

Welcome to this exceptional waterfront residence in South Gulf Cove offering Gulf access, luxury amenities, and unmatched garage space for the serious boating or car enthusiast. This meticulously maintained 3-bedroom, 2-bath home is a true showpiece situated on a key oversized lot on the Red Hook Waterway with outstanding curb appeal, lush tropical landscaping, and breathtaking intersecting canal views. The standout feature is the incredible 6-car garage complete with a vehicle lift, providing endless possibilities for collectors, hobbyists, workshop space, or additional storage. A large driveway and additional shed further enhance the property’s functionality and convenience. Step outside to your private waterfront paradise featuring an oversized dock with water, electric, and a spacious sitting area, along with a 10K boat lift for effortless access to the water. Enjoy quick access to the lock, only one bridge to open water with approximately 9-foot clearance, and easy boating access to the lagoon and Gulf waters. The spacious screened lanai showcases a sparkling saltwater pool, expansive outdoor living areas, and a private barbecue area designed for entertaining and enjoying the Florida lifestyle year-round. Take in spectacular sunrises and sunsets from your lanai while overlooking the serene intersecting canal setting. Inside, the home offers hardwood floors, crown molding throughout every room, spacious living areas, and pride of ownership throughout. Every detail has been carefully maintained, creating a move-in-ready property that combines comfort, elegance, and functionality. Ideally located close to shopping, dining, golf, beaches, and world-class boating and fishing, this rare waterfront opportunity offers the best of Southwest Florida living. The adjacent waterfront lot is also available separately under MLS #N6142531 through a different owner, presenting a unique opportunity for additional privacy, expansion, or investment potential.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,801

Sqft

0.31 ac

Lot size

6

Garage

2015

Year built

One

Levels

$427

Per sqft

Private poolWaterfront

Inside

FlooringHardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Open Floorplan · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorth
ExteriorHurricane Shutters · Irrigation System · Lighting

Community & fees

Taxes (2025)$6,414/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Mini Sewer · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,138 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,154
PMI (est., until 20% equity)$289
Property tax — 2025 actual bill$534
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $76,990Loan30-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% · $76,990
Interest rate6.00%
Loan term

Estimated payment

$5,138/mo

Principal & interest$4,154
PMI (est., until 20% equity)$289
Property taxes (actual bill)$534
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 $770K
$528KedgeAI estimate $649,083 · range $550K$845K$879K

vs edgeAI estimate

+18.6%

$/sqft vs PORT CHARLOTTE SEC 082

$427 vs $278

Days on market

63 vs 56 typical

Where $427/sqft sits among the 22 homes for sale in PORT CHARLOTTE SEC 082

4
6
5
2
3
2 · this home
$176–218$218–260$260–302$302–344$344–385$385+

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 15658 APPLEWHITE CIRCLE 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 marketBalanced6.5 months of inventoryBuyer’s market

$289K$301K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

10 of 22

PORT CHARLOTTE SEC 082 have cut their price

Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1825% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

May 23, 2026Listed at $769,900 · 63 days on market since
2015Built · PORT CHARLOTTE SEC 082

Reality check

What actually sold near 15658 APPLEWHITE CIRCLE

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

15272 LAKELAND CIRCLESold · May ’26

$590,000

15272 LAKELAND CIRCLE · same community

3 bd · 2 ba · 1,838 sqft · $321/sqft · 3 DOM

10242 HALLENDALE DRIVESold · Apr ’26

$325,000

10242 HALLENDALE DRIVE · same community

4 bd · 2 ba · 1,743 sqft · $186/sqft · 297 DOM

15436 VISALIA ROADSold · Apr ’26

$646,901

15436 VISALIA ROAD · same community

3 bd · 2 ba · 1,868 sqft · $346/sqft · 0 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 15658 APPLEWHITE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 15658 APPLEWHITE 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.

Goes straight to David’s phone and CRM.

Straight answers

15658 APPLEWHITE CIRCLE FAQs

What would the monthly payment be for 15658 APPLEWHITE CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,138/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 15658 APPLEWHITE CIRCLE?+

The most recent tax bill on record (2025) was $6,414. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Port Charlotte?+

At $769,900, this home is listed about 130% above the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.

Which schools are assigned to 15658 APPLEWHITE CIRCLE?+

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 EXP REALTY LLC · Bill Kennedy. MLS #D6147404.

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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