18522 AYRSHIRE CIRCLE, PORT CHARLOTTE, FL, 33948
Active339 days on marketListed Sep 11, 2025MLS #N6140497
About this home
18522 AYRSHIRE CIRCLE
Rare Waterfront Residential Lot Opportunity in Sunny Port Charlotte! This prime, buildable lot offers direct access to the Bay and Gulf with sailboat-depth water and no fixed bridges—a boater’s dream! Nestled in a quiet tropical setting, the property has already been partially cleared, making it easy to start planning your Florida waterfront retreat. Imagine stepping out your back door, hopping on your boat, and cruising the turquoise waters of Charlotte Harbor in minutes. Surrounded by lush tropical landscape, year-round sunshine, and a community known for fishing, boating, and relaxed coastal living, this property is the perfect place to build your forever home, seasonal getaway, or a highly sought after rental. New construction is booming in this area, so secure your piece of paradise while you can. Conveniently located near world-class beaches, golf, dining, and shopping. Don’t miss this rare chance to own a true waterfront gem with unrestricted boating access!
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$948 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$948/mo
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.
Where it sits
Inside O'hara
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
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 250% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 18522 AYRSHIRE CIRCLE
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$225,000
18263 OHARA DRIVE · same community
2 bd · 2 ba · 894 sqft · $252/sqft · 60 DOM
Sold · Jul ’26$330,000
18234 AVONSDALE CIRCLE · same community
2 bd · 2 ba · 912 sqft · $362/sqft · 49 DOM
Sold · Oct ’25$290,000
18938 AYRSHIRE CIRCLE · same community
2 bd · 2 ba · 962 sqft · $301/sqft · 48 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 18522 AYRSHIRE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18522 AYRSHIRE CIRCLE — 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
18522 AYRSHIRE CIRCLE FAQs
What would the monthly payment be for 18522 AYRSHIRE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $948/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 18522 AYRSHIRE CIRCLE?+
The most recent tax bill on record (2024) was $1,483. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $105,000, this home is listed about 68% 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 18522 AYRSHIRE 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
Four things that matter here
01Positioned at the premium end
$105,000 runs 250% 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.
03Time on market is leverage
339 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 $109,000, now $105,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEYOND REALTY LLC · Kim Haber. MLS #N6140497.
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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