10392 RAINSVILLE STREET, PORT CHARLOTTE, FL, 33981
Active80 days on marketListed Jun 1, 2026MLS #D6147666
About this home
10392 RAINSVILLE STREET
Welcome to your own slice of paradise in South Gulf Cove on Florida's beautiful Cape Haze Peninsula. This stunning turnkey-furnished Gulf Access waterfront home is ready for immediate enjoyment—simply bring your suitcase and start living the Southwest Florida lifestyle you've been dreaming about. Don't let the square footage fool you—this thoughtfully designed home lives much larger than its size suggests, with every inch carefully crafted to maximize comfort, functionality, and luxury. Built in 2022 and barely used, this like-new residence offers three bedrooms, two bathrooms, and an impressive blend of high-end finishes, comfort, and smart-home technology. From the moment you enter, you'll appreciate the bright, open-concept design, enhanced by hurricane-impact windows, doors, sliding glass doors, and custom window treatments that flood the home with natural light while providing peace of mind. The gourmet kitchen features high-end appliances and serves as the centerpiece for entertaining family and friends. The seamless flow between the living, dining, and outdoor spaces creates an open, spacious feel rarely found in a home of this size. Sliding glass doors open to your private outdoor oasis, where Florida living truly comes to life. Spend sunny afternoons relaxing by the sparkling pool, unwind in the hot tub after a day on the water, or host unforgettable gatherings overlooking the canal. For boating enthusiasts, the custom composite dock and boat lift with water and electric provide convenient sailboat access to Charlotte Harbor, Boca Grande Pass, and the Gulf of Mexico. Imagine stepping out your back door for sunset cruises, world-class fishing adventures, waterfront dining, and endless days exploring Southwest Florida's waterways. This fully integrated Smart Hub Home allows you to control cameras, irrigation, pool, spa, lighting, and more directly from your phone through CommandIQ. Additional upgrades include underwater fish lights, a complete landscape lighting package on timers and sensors, concrete landscape curbing, Smart TVs, an epoxy-coated garage floor, and beautifully maintained tropical landscaping. South Gulf Cove residents enjoy an active waterfront lifestyle with community parks, walking paths, a clubhouse, and a public boat ramp. You'll also be just minutes from Boca Grande, Englewood Beach, Manasota Key, championship golf courses, waterfront restaurants, and some of Florida's most spectacular Gulf Coast beaches. Whether you're searching for a year-round residence, seasonal retreat, or investment opportunity, this move-in-ready, turnkey waterfront home offers everything you need to start enjoying the Florida lifestyle from day one. With its exceptional quality, luxury upgrades, efficient floor plan, and incredible outdoor living space, this home delivers a lifestyle that far exceeds what its square footage alone would suggest.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,629
Sqft
0.23 ac
Lot size
2
Garage
2022
Year built
One
Levels
$398
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.
$4,709 /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
$4,709/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
+24.5%
$/sqft vs PORT CHARLOTTE SEC 87
$398 vs $324
Days on market
80 vs 59 typical
Where $398/sqft sits among the 23 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 23
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 1543% 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 10392 RAINSVILLE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$375,000
10071 SUNDAY DRIVE · same community
3 bd · 2 ba · 1,622 sqft · $231/sqft · 333 DOM
Sold · Aug ’25$470,000
9978 AUDREY STREET · same community
3 bd · 2 ba · 1,663 sqft · $283/sqft · 394 DOM
Sold · Apr ’26$400,000
14150 MAYSVILLE CIRCLE · same community
3 bd · 2 ba · 1,564 sqft · $256/sqft · 42 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
Moe Thouk Oo
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10392 RAINSVILLE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10392 RAINSVILLE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10392 RAINSVILLE STREET FAQs
What would the monthly payment be for 10392 RAINSVILLE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,709/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 10392 RAINSVILLE 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 10392 RAINSVILLE STREET?+
The most recent tax bill on record (2025) was $9,525. 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 10392 RAINSVILLE 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 $649,000, this home is listed about 97% 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 10392 RAINSVILLE 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
Three things that matter here
01Positioned at the premium end
$649,000 runs 1543% above the PORT CHARLOTTE 33981 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 $665,000, now $649,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARSLEY BALDWIN REAL ESTATE · Olivia Jones. MLS #D6147666.
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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