10474 WINNIPEG STREET, PORT CHARLOTTE, FL, 33981
Active267 days on marketListed Nov 23, 2025MLS #A4673094
About this home
10474 WINNIPEG STREET
SELLER INCENTIVES AVAILABLE TOWARD BUYER’S CLOSING COSTS. Stunning new construction waterfront home offering direct sailboat access with no bridges—an ideal location for boating enthusiasts seeking quick and easy navigation to open water. The property features modern architecture, elegant curb appeal, and high-end finishes throughout. A highly desirable mother-in-law apartment provides exceptional flexibility for multigenerational living, guests, or private extended stays. The spacious, open-concept layout is filled with natural light, enhanced by large windows that frame the peaceful canal views. Enjoy resort-style outdoor living with an expansive screened-in lanai, luxurious pool with integrated spa, and a wide paver deck perfect for entertaining or relaxing. A concrete seawall is already in place, adding long-term stability and convenience for docking. Additional highlights include a stylish paver driveway, under-truss outdoor living area, and clean contemporary exterior lines that further elevate the home’s modern design. This property offers the perfect blend of luxury, comfort, and true Florida waterfront living.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,377
Sqft
0.23 ac
Lot size
2
Garage
2025
Year built
One
Levels
$337
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 and the real association fee — not generic estimates.
$4,943 /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
$4,943/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
+22.6%
$/sqft vs PORT CHARLOTTE SEC 87
$337 vs $324
Days on market
267 vs 59 typical
Where $337/sqft sits among the 24 homes for sale in PORT CHARLOTTE SEC 87
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
18 of 24
PORT CHARLOTTE SEC 87 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1951% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 10474 WINNIPEG STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$995,736
14726 LILLIAN CIRCLE · same community
3 bd · 3 ba · 2,423 sqft · $411/sqft · 0 DOM
Sold · Jun ’26$348,000
10225 WINNIPEG STREET · same community
4 bd · 2 ba · 2,330 sqft · $149/sqft · 531 DOM
Sold · Oct ’25$377,000
10133 AUDREY STREET · same community
4 bd · 2 ba · 2,330 sqft · $162/sqft · 346 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10474 WINNIPEG STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10474 WINNIPEG STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10474 WINNIPEG STREET FAQs
What would the monthly payment be for 10474 WINNIPEG STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,943/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 10474 WINNIPEG STREET?+
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 10474 WINNIPEG STREET?+
The most recent tax bill on record (2024) was $1,875. 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 10474 WINNIPEG STREET?+
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 $799,999, this home is listed about 142% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10474 WINNIPEG STREET?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$799,999 runs 1951% above the PORT CHARLOTTE 33981 median — but at 2,377 sqft it's also 45% 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
267 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $945,500, now $799,999 — a $146K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA'S LINK REALTY, INC · Cecilia Gomez. MLS #A4673094.
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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