David Ramirez
$775,0004 bd3 ba2,878 sqft$269 /sqft$5,024 /mo all-in ↓

13346 CEDAR CITY AVENUE, PORT CHARLOTTE, FL, 33981

Active63 days on marketListed Jun 12, 2026MLS #D6147628

Private poolSingle Family ResidencePORT CHARLOTTE SEC 085

About this home

13346 CEDAR CITY AVENUE

Virtually Staged. RARE SOUTH GULF COVE DOUBLE LOT PROPERTY – 4 BED / 3 BATH + RV MEGA GARAGE + POOL + IN-LAW SUITE + STORM-READY LIVING This is a truly unique opportunity in South Gulf Cove offering unmatched storage, flexibility, and Florida lifestyle living all in one property. Set on a double lot beautiful curb appeal, this well-maintained home combines everyday comfort with serious workshop and Multiple RV capabilities, all just minutes from Boca Grande beaches, boating, and world-class fishing. PROPERTY HIGHLIGHTS • 4 bedrooms / 3 bathrooms total • Private in-law suite with separate entrance and exit to pool with a full bathroom (ideal for guests, multigenerational living, or potential income use) • Attached 3-car garage with mini split for cooling the garage. • Full Hook-up RV Parking Pad in addition to garages • Located on a spacious double lot in South Gulf Cove waterfront community • Private irrigation well for cost-efficient lawn and mature landscaping SHOWSTOPPING 40’ x 60’ RV / WORKSHOP GARAGE • Solid poured concrete block construction • 16-foot ceilings with loft storage and workshop under with area for lawn equipment • 50-amp and 30-amp RV hookups • Air compressor system connections • Water hookups plus soft water system for spot-free washing • Ideal for RVs, boats, car collections, workshop, or business use INTERIOR FEATURES • Enjoy dining room, living and family room with split floor plan with tray ceilings • Spacious kitchen with extensive cabinetry, granite counters and eat-at breakfast bar • Open family room layout ideal for entertaining • Private primary suite with walk-in closets and dual vanity area, soaking tub and walk in shower • Guest bedrooms located on opposite side of home for added privacy • Inside laundry with extra storage OUTDOOR LIVING • Heated pool with expansive covered screened lanai • Screened front porch for relaxing • Large covered outdoor space with a true courtyard-style feel • Fully fenced backyard offering privacy and security • Irrigation well supporting lush landscaping at low cost • Multiple sliding glass doors creating seamless indoor and outdoor flow PEACE OF MIND FEATURES • Storm shutters • Self-contained Carrier whole home generator and fuel tank • New roof (2024) • Exterior paint (2025) • Water heater (2025) • Designed for comfort, safety, and resilience during storm season COMMUNITY & LOCATION • Optional HOA waterfront community • Public boat ramp, sidewalks, walking paths, playground, and pickleball courts • Minutes to Boca Grande beaches, marinas, boating, kayaking, dining, and shopping • Highly desirable Gulf-access lifestyle community LIFESTYLE SUMMARY A rare combination of residential comfort, multigenerational living options, massive workshop and RV storage, and true Florida outdoor living. This property is ideal for buyers seeking space, functionality, and lifestyle flexibility that is difficult to find in today’s market. All information contained herein is deemed reliable but not guaranteed. Buyer and Buyer’s agent to verify all information through independent due diligence.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,878

Sqft

0.46 ac

Lot size

3

Garage

2007

Year built

One

Levels

$269

Per sqft

Private poolPets allowed

Inside

FlooringTile
AppliancesDishwasher · Electric Water Heater · Microwave · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Tray Ceiling(s)
LaundryInside · Laundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionBrick · Concrete
FoundationSlab
FacesSouth
ParkingBoat · Driveway · Garage Door Opener · Ground Level · Oversized · RV Garage · RV Parking · Workshop in Garage
ExteriorCourtyard · Dog Run · Irrigation System · Rain Gutters · RV Hookup · Sliding Doors

Community & fees

HOA fee$10/mo
Taxes (2025)$4,579/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · 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 and the real association fee — not generic estimates.

$5,024 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,182
PMI (est., until 20% equity)$291
Property tax — 2025 actual bill$382
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $77,500Loan30-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% · $77,500
Interest rate6.00%
Loan term

Estimated payment

$5,024/mo

Principal & interest$4,182
PMI (est., until 20% equity)$291
Property taxes (actual bill)$382
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 $775K
$582KedgeAI estimate $678,988 · range $606K$823K$856K

vs edgeAI estimate

+14.1%

$/sqft vs PORT CHARLOTTE SEC 085

$269 vs $198

Days on market

63 vs 59 typical

Where $269/sqft sits among the 12 homes for sale in PORT CHARLOTTE SEC 085

1
1
6
1
1 · this home
2
$88–126$126–163$163–200$200–237$237–274$274+

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 13346 CEDAR CITY AVENUE 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)

6 of 12

PORT CHARLOTTE SEC 085 have cut their price

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

This home is listed 1887% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Jun 12, 2026Listed at $775,000 · 63 days on market since
2007Built · PORT CHARLOTTE SEC 085

Reality check

What actually sold near 13346 CEDAR CITY AVENUE

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

10498 BAY STATE DRIVESold · Jun ’26

$527,500

10498 BAY STATE DRIVE · same community

4 bd · 3 ba · 2,685 sqft · $196/sqft · 400 DOM

13400 ALLENTOWN AVENUESold · Jul ’26

$417,000

13400 ALLENTOWN AVENUE · same community

4 bd · 3 ba · 2,478 sqft · $168/sqft · 4 DOM

13400 ALLENTOWN AVENUESold · Jun ’26

$417,000

13400 ALLENTOWN AVENUE · same community

4 bd · 3 ba · 2,478 sqft · $168/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 13346 CEDAR CITY AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13346 CEDAR CITY 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.

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Straight answers

13346 CEDAR CITY AVENUE FAQs

What would the monthly payment be for 13346 CEDAR CITY AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,024/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 13346 CEDAR CITY AVENUE?+

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 13346 CEDAR CITY AVENUE?+

The most recent tax bill on record (2025) was $4,579. 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 13346 CEDAR CITY 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 $775,000, this home is listed about 135% 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 13346 CEDAR CITY 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 MICHAEL SAUNDERS & COMPANY · Amy Gonzales. MLS #D6147628.

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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