David Ramirez
$1,350,0003 bd3 ba2,245 sqft$601 /sqft$8,135 /mo all-in ↓

13125 IRWIN DRIVE, PORT CHARLOTTE, FL, 33953

Active162 days on marketListed Feb 22, 2026MLS #N6143076

New constructionWaterfrontPrivate poolSingle Family ResidencePORT CHARLOTTE SEC 049

About this home

13125 IRWIN DRIVE

This Gulf Access waterfront estate offers 3 bedrooms, 3 bathrooms, an office, pool, spa, and high-end finishes throughout. With direct boating access to the Myakka River and the Gulf—and no fixed bridges except one with ~24ft clearance—this home is a boater’s dream and an entertainer’s delight. The exterior is fully landscaped with an irrigation system and lush St. Augustine lawn, complemented by a concrete seawall along the canal. A high-quality standing seam metal roof, PGT impact-rated insulated windows and sliders, 10ft impact sliding doors, 9ft impact garage doors, an 8ft impact front entry door, and 8ft interior doors throughout provide strength, beauty, and durability. Added insulation in the home and roof enhances comfort and energy efficiency, while a 16 SEER high-efficiency AC system delivers reliable climate control with lower energy use. A whole-house reverse osmosis water treatment system supplies premium quality water from a rare deep artesian well, an exceptional feature that adds long-term value and reliability. Inside, soaring ceilings—14.4 ft in the living and dining rooms and 11.4 ft in bedrooms and baths—create an open, airy atmosphere enhanced by oversized picture windows that capture breathtaking water views. Flooring is thoughtfully appointed with tile in bathrooms and laundry, marble in showers, and premium waterproof engineered wood throughout the main living areas. All closets are custom built with shelving and drawers, while the garage features commercial-grade epoxy flooring. The gourmet kitchen showcases a stunning quartzite island, countertops, and backsplash, along with quartzite counters in the pantry, premium KitchenAid appliances, and designer lighting, including Restoration Hardware chandeliers and Arhaus pendants. Step outside to the expansive patio and lanai, where a built-in outdoor kitchen and panorama screen enclosure set the stage for entertaining and relaxation. The heated pool is equipped with top-of-the-line Jandy equipment, offering superior performance and reliability. This oversized outdoor space is perfect for large gatherings or private enjoyment of spectacular sunsets. Watch dolphins, manatees, and other marine life glide by from your backyard paradise.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,245

Sqft

0.23 ac

Lot size

2

Garage

2025

Year built

One

Levels

$601

Per sqft

Private poolWaterfrontFireplace

Inside

FlooringCeramic Tile · Engineered Hardwood · Marble · Porcelain Tile · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Range Hood · Refrigerator · Washer · Whole House R.O. System
InteriorBuilt-in Features · Ceiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · Concrete · Stucco
FoundationBlock · Slab · Stem Wall
FacesNorthwest
ExteriorFrench Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Rain Gutters · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

Taxes (2025)$2,212/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Available · Electricity Connected
WaterWell

The numbers

What it really costs

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

$8,135 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,285
PMI (est., until 20% equity)$506
Property tax — 2025 actual bill$184
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $135,000Loan30-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% · $135,000
Interest rate6.00%
Loan term

Estimated payment

$8,135/mo

Principal & interest$7,285
PMI (est., until 20% equity)$506
Property taxes (actual bill)$184
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 $1.4M
$643KedgeAI estimate $699,579 · range $669K$775K$1.4M

vs edgeAI estimate

+93%

$/sqft vs Port Charlotte actives

$601 vs $208

Days on market

162 vs 56 typical

Where $601/sqft sits among the 400 Port Charlotte actives

202
116
51
22
8
1 · this home
$129–208$208–287$287–365$365–444$444–523$523+

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 Port Charlotte

Map of 13125 IRWIN DRIVE

Get to know Port Charlotte. See the full Port Charlotte guide →

PORT CHARLOTTE 33953 — neighborhood snapshot

Population

7,018

Median age

62.9

Median income

$77,227

Median home value

$332,200

Avg household

2.36

Households w/ children

430

For the school run

Charlotte County School District

MiddleMurdock Middle School★★★★★
HighPort Charlotte High School★★★★★
ElementaryLiberty Elementary 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)

166 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 5770% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Feb 22, 2026Listed at $1,350,000 · 162 days on market since
2025Built · PORT CHARLOTTE SEC 049

Reality check

What actually sold near 13125 IRWIN DRIVE

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

13449 PALAU CIRCLESold · Dec ’25

$759,900

13449 PALAU CIRCLE · same community

3 bd · 2 ba · 2,182 sqft · $348/sqft · 39 DOM

13210 ESSMAN AVENUESold · Oct ’25

$350,000

13210 ESSMAN AVENUE · same community

3 bd · 2 ba · 2,087 sqft · $168/sqft · 99 DOM

13417 PALAU CIRCLESold · Oct ’25

$618,000

13417 PALAU CIRCLE · same community

3 bd · 2 ba · 2,085 sqft · $296/sqft · 26 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 13125 IRWIN 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 13125 IRWIN DRIVE — 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

13125 IRWIN DRIVE FAQs

What would the monthly payment be for 13125 IRWIN DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,135/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 13125 IRWIN DRIVE?+

The most recent tax bill on record (2025) was $2,212. 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 $1,350,000, this home is listed about 303% 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 13125 IRWIN DRIVE?+

Murdock Middle School (middle), Port Charlotte High School (high), Liberty Elementary School (elementary) — 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

$1,350,000 runs 5770% above the PORT CHARLOTTE 33953 median — but at 2,245 sqft it's also 37% 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.

03Time on market is leverage

162 days on market against a Port Charlotte median of 56 — sellers in this position are usually ready to negotiate.

Listing courtesy of PREFERRED SHORE LLC · Katie Shevchenko. MLS #N6143076.

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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