13516 SANTA ROSA AVENUE, PORT CHARLOTTE, FL, 33981
Active117 days on marketListed Jul 13, 2026MLS #O6424820
About this home
13516 SANTA ROSA AVENUE
Auction Property. 2-bedroom, 2 bath, 927 square foot single level home sitting on 7,553 square foot lot in the Gardens of Gulf Cove. Amenities includes a clubhouse, community pool, shuffleboard, and tennis and basketball courts. Make it your own. Jump on this great deal before its gone! The purchaser should also be aware that they may not rent out the property until they have owned for at least 1 full year. All buyers are responsible to confirm City, County, Zoning, Tax, and other records to their satisfaction before bidding. No inspection contingencies in contract. Absolutely no repairs before closing. This property is sold As-Is. This is a REO auction property.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
927
Sqft
0.17 ac
Lot size
1976
Year built
One
Levels
$171
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.
$1,479 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,479/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−16.8%
$/sqft vs PORT CHARLOTTE SEC 066
$171 vs $166
Days on market
117 vs 55 typical
Where $171/sqft sits among the 7 homes for sale in PORT CHARLOTTE SEC 066
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 Englewood East
Get to know Port Charlotte. See the full Port Charlotte guide →
Englewood East — neighborhood snapshot
Population
12,132
Median age
57
Median income
$64,153
Median home value
$310,108
Avg household
2
Households w/ children
690
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
$290K → $300K
Port Charlotte median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
2 of 7
PORT CHARLOTTE SEC 066 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 253% 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 13516 SANTA ROSA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$156,000
13569 BENNETT DRIVE · same community
2 bd · 1.5 ba · 918 sqft · $170/sqft · 66 DOM
Sold · May ’26$195,000
13476 NEWPORT AVENUE · same community
2 bd · 2 ba · 917 sqft · $213/sqft · 263 DOM
Sold · Jul ’26$174,000
13420 ROMFORD AVENUE · same community
2 bd · 2 ba · 830 sqft · $210/sqft · 16 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 13516 SANTA ROSA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13516 SANTA ROSA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13516 SANTA ROSA AVENUE FAQs
What would the monthly payment be for 13516 SANTA ROSA AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,479/mo — principal and interest, the actual property-tax bill, the $39/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 13516 SANTA ROSA AVENUE?+
The association fee works out to $39 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13516 SANTA ROSA AVENUE?+
The most recent tax bill on record (2025) was $1,482. 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 13516 SANTA ROSA 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 $158,300, this home is listed about 52% 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 13516 SANTA ROSA 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
Three things that matter here
01Positioned at the premium end
$158,300 runs 253% above the PORT CHARLOTTE 33981 median.
02Time on market is leverage
117 days on market against a Port Charlotte median of 55 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $192,400, now $158,300 — a $34K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALHOME SERVICE & SOLUTIONS INC · Jamarr Zellner. MLS #O6424820.
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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