David Ramirez
$238,000$249,0002 bd1.5 ba1,152 sqft$207 /sqft$1,781 /mo all-in ↓

18671 KERRVILLE CIRCLE, PORT CHARLOTTE, FL, 33948

Active524 days on marketListed Mar 10, 2025MLS #O6288398

Reduced $11KSingle Family ResidencePORT CHARLOTTE SEC 079

About this home

18671 KERRVILLE CIRCLE

Opportunity to own an insurable, abundantly landscaped 0.25 acre, 2 bedroom, 1.5 bath home with additional office room and a 682 sqft detached garage/workshop in a peaceful waterfront community.  Great neighborhood for walks and bikes. Boat ramp, Schools, post office, government buildings, shopping, mall and Port Charlotte beach all within 5 miles! Gulf beaches within 20 miles.  This 1,100 sq-ft North facing home has a new, well ventilated, Metal Roof, new a/c air ducts with UV ionizer and recently upgraded Central heat and air units. The exterior decorative corner coining and shutters are hand-crafted concrete architecturals. Another room with a large window in the other garage attached to house easily converts to a third guest bedroom, office or den with separate side door entrance from garage and attic stairs for additional storage.  Newly upgraded kitchen cabinets floor to ceiling, Pantry and new fixtures for bathroom sinks. Huge 22 x 31 ft Detached garage/workshop has Twelve foot walls, insulation, 220v electric and a decorative paver floor. 2 @ 10x10 roll-up doors, 3 man doors with windows, 4 decorative windows and thermal automatic gable vent fans complete this workshop/garage. A separate driveway entrance to detached 682 sq-ft garage will not disturb fenced back yard.  An additional 10x11 storage shed just behind house and another playhouse or garden-house storage. Metal Hurricane window shutters are easily installed with wing nuts and artist painted to match the home if left on while you are away. Enjoy the unique landscaping providing 70% shade at all times! A fenced Backyard for family, pets and parties. Additionally large patios of pavers and 2 concrete tables makes shaded garden living enjoyable. One centennial oak surrounded by pavers and decorative palms shades the backyard gardens. A nice garden area in the East side backyard. Two additional centennial oak trees frame the front yard providing shade for numerous birds, flowering plants, herbs and a central tiled concrete seating area. A smaller picket fence frames the front landing, just behind a koi pond. A Large paver patio adjacent to back of home is a great place under canopy for picnic table or your future screened lanai/pool. Numerous herbs and fruiting trees are maturing in your garden of Eden. This sub-tropical home has these and more: Papayas, moringa, avocado, citrus, banana, tamarin, lemongrass, ginger, Thai Basel, dragon fruit, miracle leaf, coconut, mangoes, etc. large star lilies frame the property side lines.  Sold As is and partially furnished option. Currently owner occupied. Additional time to move after closing would be mutually beneficial.  The sellers are dedicated to a smooth and fair transition for you and your family. Onlyvserious inquiries wilk be entertained.

Facts & features

The home at a glance

2

Bedrooms

1.5

Bathrooms

1,152

Sqft

0.23 ac

Lot size

3

Garage

1984

Year built

One

Levels

$207

Per sqft

PartiallyPets allowed

Inside

FlooringCarpet · Linoleum
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator · Water Purifier
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Thermostat
LaundryInside
CoolingCentral Air
HeatingElectric
FurnishedPartially

Outside & construction

RoofMetal
ConstructionStucco
FoundationSlab
FacesNorth
ExteriorHurricane Shutters · Lighting · Private Mailbox · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2024)$1,376/yr
PetsYes

Utilities & systems

UtilitiesPublic
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.

$1,781 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,401
FHA mortgage insurance (est.)$105
Property tax — 2024 actual bill$115
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,330Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $8,330
Interest rate6.00%
Loan term

Estimated payment

$1,781/mo

Principal & interest$1,401
FHA mortgage insurance (est.)$105
Property taxes (actual bill)$115
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 $238K
$195KedgeAI estimate $232,895 · range $204K$246K$256K

vs edgeAI estimate

+2.2%

$/sqft vs PORT CHARLOTTE SEC 079

$207 vs $281

Days on market

524 vs 59 typical

Where $207/sqft sits among the 12 homes for sale in PORT CHARLOTTE SEC 079

1 · this home
5
3
1
1
1
$178–229$229–280$280–331$331–382$382–434$434+

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 O'hara

Map of 18671 KERRVILLE CIRCLE inside its neighborhood boundary

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

O'hara — neighborhood snapshot

Population

5,202

Median age

58

Median income

$75,856

Median home value

$383,125

Avg household

2

Households w/ children

392

For the school run

Charlotte County School District

MiddleMurdock Middle School★★★★★
ElementaryMeadow Park Elementary School★★★★★
HighPort Charlotte 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)

4 of 12

PORT CHARLOTTE SEC 079 have cut their price

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

This home is listed 693% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →

Paper trail

This home's history

CurrentPrice reduced to $238,000 $11K
Mar 10, 2025Listed at $249,000 · 524 days on market since
1984Built · PORT CHARLOTTE SEC 079

Reality check

What actually sold near 18671 KERRVILLE CIRCLE

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

18334 KERRVILLE CIRCLESold · Oct ’25

$265,000

18334 KERRVILLE CIRCLE · same community

3 bd · 2 ba · 1,176 sqft · $225/sqft · 7 DOM

18654 KERRVILLE CIRCLESold · Apr ’26

$319,900

18654 KERRVILLE CIRCLE · same community

3 bd · 2 ba · 1,176 sqft · $272/sqft · 6 DOM

5149 ADMINISTRATION STREETSold · Aug ’26

$310,000

5149 ADMINISTRATION STREET · same community

3 bd · 2 ba · 1,202 sqft · $258/sqft · 155 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 18671 KERRVILLE 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 18671 KERRVILLE CIRCLE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

18671 KERRVILLE CIRCLE FAQs

What would the monthly payment be for 18671 KERRVILLE CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,781/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 18671 KERRVILLE CIRCLE?+

The most recent tax bill on record (2024) was $1,376. 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 18671 KERRVILLE CIRCLE?+

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 $238,000, this home is listed about 28% below the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.

Which schools are assigned to 18671 KERRVILLE CIRCLE?+

Murdock Middle School (middle), Meadow Park Elementary School (elementary), Port Charlotte 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

$238,000 runs 693% above the PORT CHARLOTTE 33948 median.

02Time on market is leverage

524 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $249,000, now $238,000 — a $11K cut. The full history is in the market section below.

Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6288398.

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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