13342 COMMONWEALTH AVENUE, PORT CHARLOTTE, FL, 33981
Active134 days on marketListed Apr 1, 2026MLS #D6146849
About this home
13342 COMMONWEALTH AVENUE
Tha Cayo Sol a waterfront pool home with access to the beautiful gulf waters. It offers 2,112 sq. ft of liv-ing area, composed of 3 bedrooms, a den, a large master bath, a cabana bath and 3 car garage. The ceilings are 9’-4’’ high throughout the home and 10’-4’’ high in the living, kitchen, and den. Tray ceilings and decorative beams accentuate the master bedroom, dining room and the living room. Impact windows and glass doors, concrete paver drive-way, and calacatta porcelain tile floors throughout the entire home. Solid wood 42-inch-high cabinets with soft closing doors and drawers, quartz countertops, stainless-steel appliance package in the kitchen. Lush landscape with irrigation system. Two large guest bedrooms, a master suite with 2 large walk-in closets (his & hers) and a sliding glass door which leads di-rectly to the screened in pool area. Master bath with double sinks, private water closet and an oversized shower. It is in the prestigious waterfront community of South Gulf Cove, close to Boca Grande's and Gasparilla Island’s white sandy beaches, sandbars, marinas, fishing, golf courses, restaurants, and shopping. Drawing of the dock to be built for additional for $24,900
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,112
Sqft
0.23 ac
Lot size
3
Garage
2024
Year built
One
Levels
$312
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.
$4,668 /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
$4,668/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
−10.2%
$/sqft vs PORT CHARLOTTE SEC 085
$312 vs $198
Days on market
134 vs 60 typical
Where $312/sqft sits among the 13 homes for sale in PORT CHARLOTTE SEC 085
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)
6 of 13
PORT CHARLOTTE SEC 085 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1587% 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 13342 COMMONWEALTH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$359,300
13480 ALLENTOWN AVENUE · same community
4 bd · 2 ba · 2,117 sqft · $170/sqft · 420 DOM
Sold · Dec ’25$349,600
10045 BAY STATE DRIVE · same community
4 bd · 2 ba · 2,169 sqft · $161/sqft · 439 DOM
Sold · Jan ’26$270,000
13274 HIGH SPRINGS AVENUE · same community
3 bd · 2 ba · 2,044 sqft · $132/sqft · 453 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13342 COMMONWEALTH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13342 COMMONWEALTH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13342 COMMONWEALTH AVENUE FAQs
What would the monthly payment be for 13342 COMMONWEALTH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,668/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 13342 COMMONWEALTH AVENUE?+
The most recent tax bill on record (2025) was $8,532. 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 13342 COMMONWEALTH AVENUE?+
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 $657,900, this home is listed about 99% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13342 COMMONWEALTH AVENUE?+
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
$657,900 runs 1587% above the PORT CHARLOTTE 33981 median — but at 2,112 sqft it's also 29% 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
134 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $677,900, now $657,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Julio Morales. MLS #D6146849.
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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