
13125 IRWIN DRIVE, PORT CHARLOTTE, FL, 33953
Active162 days on marketListed Feb 22, 2026MLS #N6143076
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
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 — not generic estimates.
$8,135 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,135/mo
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.
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
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte 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
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.
Sold · Dec ’25$759,900
13449 PALAU CIRCLE · same community
3 bd · 2 ba · 2,182 sqft · $348/sqft · 39 DOM
Sold · Oct ’25$350,000
13210 ESSMAN AVENUE · same community
3 bd · 2 ba · 2,087 sqft · $168/sqft · 99 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13125 IRWIN DRIVE — start here.

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.
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.
Keep looking
Similar homes nearby
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 13125 IRWIN DRIVE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


