13045 IRWIN DRIVE, Port Charlotte, FL, 33953 | $779,990

One or more photo(s) has been virtually staged. MASSIVE PRICE IMPROVEMENT ! Prime Gulf access with no bridge height limitations, offering seamless navigation to open waters for larger vessels.
Built in 2021 and loaded with upgrades from front to back, this 4 bed, 3 bath stunner is perfectly set up for the waterfront lifestyle you’ve been dreaming of.

Sitting on a canal with direct access to the Myakka River and open Gulf waters, the home’s rear faces northwest, while the front faces southeast — making for ideal sunrise coffee views and sunset poolside vibes. It comes complete with a $35, 000 private boat dock and 10, 000 lb lift, giving you waterway freedom right from your backyard — no pesky HOA telling you otherwise.

Inside, you'll find a split floor plan with a flex room, tray ceilings, $20, 000 in upgraded flooring (no carpet!), and a $6, 000 water softener system already installed. Step outside to your $100, 000 outdoor oasis featuring a 2-year-old screened-in saltwater heated pool / spa and lanai, plus a fully plumbed covered outdoor kitchen, with a covered seating area with a wall mounted TV — perfect for entertaining or unwinding Florida-style.

With its decorative tile roof, lush landscaping, and slightly elevated position, this home brings serious curb appeal and has stayed high and dry during recent storms despite being in a flood zone — no flooding or storm damage here.

Whether you're a weekend boater, serious angler, or just want to live the salt life — this home checks all the boxes.

Opportunities like this on the waterway don’t come around often.
Claim your piece of the Florida lifestyle — before someone else does.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Year Built: 2021
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,268
  • Acreage: 0.23
  • Est. Taxes: $6,346
  • View: Pool, Water
  • Elem. School: Liberty Elementary
  • Middle School: Murdock Middle
  • High School: Port Charlotte High
  • Pool: Heated, In Ground, Lighting, Pool Alarm, Pool Sweep, Salt Water, Screen Enclosure, Self Cleaning
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Water Filtration System, Water Softener
  • MLS#: TB8399337
  • Days on Market: 180 days
  • Website: https://www.raveis.com
    /prop/TB8399337/13045irwindrive_portcharlotte_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/9/2026 5:32:09 PM)
Listing courtesy of LIFESTYLE INTERNATIONAL REALTY   Phone: 305-809-8085

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

13045 IRWIN DRIVE, Port Charlotte, FL, 33953

$779,990

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $623,992 $623,992 $623,992
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.132% 5.415%
Monthly Tax Payment $529 $529 $529
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,543 $3,737 $4,975
Total Monthly Payment $4,164 $4,358 $5,596

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.