CENTURY 21 Edge
Pending
$565,000$588,0003 bd2 ba1,577 sqft$358 /sqft$3,931 /mo all-in ↓

18881 MCGRATH CIRCLE, PORT CHARLOTTE, FL, 33948

Pending53 days on marketListed Jun 18, 2026MLS #C7526242

Reduced $23KWaterfrontPrivate poolSingle Family ResidencePORT PORT CHARLOTTE SEC 37

About this home

18881 MCGRATH CIRCLE

This PRIME SALT WATERFRONT home gives you EXCEPTIONALLY QUICK GULF ACCESS and features a beautifully renovated 3 bedroom, 2 bathroom, 2 car garage layout with 90 feet of frontage on the scenic Ackerman Waterway. This fantastic property boasts wonderful curb appeal with a chain linked fenced yard, Bahama shutters, and stylish stone accents. Inside, the spacious living and dining areas are enhanced by decorator fans and oversized tile flooring throughout, creating a wonderfully inviting atmosphere. The well appointed kitchen is equipped with new, modern appliances, granite countertops, a tile backsplash, recessed ceiling with overhead fan, and abundant cabinetry, including a convenient pass through to a long breakfast bar that magically overlooks the pool and waterway, a large den and dining area ideal for both entertaining and everyday dining. The spacious primary bedroom offers private patio and pool access, serene water views, a large closet, and its own ensuite bath, while this split floor plan also provides two guest bedrooms featuring detailed closets and shiplap ceilings that add warmth and a sensational coastal vibe. They may never want to go back home after visiting here! CITY WATER AND CITY SEWER! The heart of the home is the outdoor space, centered around a sparkling HEATED SALTWATER POOL with maximum visibility PANORAMIC PICTURE FRAME SCREENS for year round enjoyment, multiple covered areas for relaxing, a large roll-up door shed, a covered boat lift, and an extra-long 29' boat dock with water perfect for fishing right from your backyard. Additional highlights that add value and convenience include city water, NEW ROOF 2022, NEW DUCTWORK AND AIR CONDITIONING 2021, an updated 200 AMP ELECTRICAL PANEL, a NEW POOL HEATER 2024 and NEW POOL CAGE, NEW APPLIANCES 2025, with NO HOA or NO DEED RESTRICTIONS. Unwind where every day is a vacation right here at home as this is coastal living at its finest. Just minutes from Port Charlotte Beach, a favorite biking destination with a boat ramp, bocce and horseshoe pits, tennis courts, volleyball, playgrounds, a boardwalk, fishing pier, picnic pavilions, a rec center, and dog friendly areas, all set against jaw dropping sunsets! Close to historic downtown Punta Gorda, the luxurious Sunseeker Resort, dining, farmers markets, festivals, Punta Gorda Airport, shopping, and so much more, this INSTANT GULF ACCESS home with stunning saltwater lake views promises a lifestyle of relaxation and endless enjoyment. Don’t miss out on this extraordinary opportunity! SCHEDULE YOUR PRIVATE TOUR TODAY and start living your dream!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,577

Sqft

0.26 ac

Lot size

2

Garage

1981

Year built

One

Levels

$358

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingDriveway
ExteriorPrivate Mailbox · Shade Shutter(s) · Sliding Doors

Community & fees

Taxes (2025)$6,119/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Water Connected
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.

$3,931 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,049
PMI (est., until 20% equity)$212
Property tax — 2025 actual bill$510
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $56,500Loan30-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% · $56,500
Interest rate6.00%
Loan term

Estimated payment

$3,931/mo

Principal & interest$3,049
PMI (est., until 20% equity)$212
Property taxes (actual bill)$510
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 $565K
$302KedgeAI estimate $373,634 · range $314K$526K$588K

vs edgeAI estimate

+51.2%

Days on market

53 vs 60 typical

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 18881 MCGRATH 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)

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

This home is listed 1783% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →

Paper trail

This home's history

CurrentPrice reduced to $565,000 $23K
Jun 18, 2026Listed at $588,000 · 53 days on market since
1981Built · PORT PORT CHARLOTTE SEC 37

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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 18881 MCGRATH 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 18881 MCGRATH CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

18881 MCGRATH CIRCLE FAQs

What would the monthly payment be for 18881 MCGRATH CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,931/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 18881 MCGRATH CIRCLE?+

The most recent tax bill on record (2025) was $6,119. 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 18881 MCGRATH 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 $565,000, this home is listed about 71% above the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.

Which schools are assigned to 18881 MCGRATH 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

$565,000 runs 1783% above the PORT CHARLOTTE 33948 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $588,000, now $565,000 — a $23K cut. The full history is in the market section below.

Listing courtesy of RE/MAX PALM REALTY · Nick Demers. MLS #C7526242.

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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