18881 MCGRATH CIRCLE, Port Charlotte, FL, 33948 | $575,000

This PRIME SALT WATERFRONT home gives you EXCEPTIONALLY QUICK GULF ACCESS and features a beautifully renovated 3 bedroom, 2 bathroom, 2 car garage layout with 90 feet of frontage on the scenic Ackerman Waterway. This fantastic property boasts wonderful curb appeal with a chain linked fenced yard, Bahama shutters, and stylish stone accents. Inside, the spacious living and dining areas are enhanced by decorator fans and oversized tile flooring throughout, creating a wonderfully inviting atmosphere. The well appointed kitchen is equipped with new, modern appliances, granite countertops, a tile backsplash, recessed ceiling with overhead fan, and abundant cabinetry, including a convenient pass through to a long breakfast bar that magically overlooks the pool and waterway, a large den and dining area ideal for both entertaining and everyday dining. The spacious primary bedroom offers private patio and pool access, serene water views, a large closet, and its own ensuite bath, while this split floor plan also provides two guest bedrooms featuring detailed closets and shiplap ceilings that add warmth and a sensational coastal vibe. They may never want to go back home after visiting here! CITY WATER AND CITY SEWER! The heart of the home is the outdoor space, centered around a sparkling HEATED SALTWATER POOL with maximum visibility PANORAMIC PICTURE FRAME SCREENS for year round enjoyment, multiple covered areas for relaxing, a large roll-up door shed, a covered boat lift, and an extra-long 29' boat dock with water perfect for fishing right from your backyard. Additional highlights that add value and convenience include city water, NEW ROOF 2022, NEW DUCTWORK AND AIR CONDITIONING 2021, an updated 200 AMP ELECTRICAL PANEL, a NEW POOL HEATER 2024 and NEW POOL CAGE, NEW APPLIANCES 2025, with NO HOA or NO DEED RESTRICTIONS. Unwind where every day is a vacation right here at home as this is coastal living at its finest. Just minutes from Port Charlotte Beach, a favorite biking destination with a boat ramp, bocce and horseshoe pits, tennis courts, volleyball, playgrounds, a boardwalk, fishing pier, picnic pavilions, a rec center, and dog friendly areas, all set against jaw dropping sunsets! Close to historic downtown Punta Gorda, the luxurious Sunseeker Resort, dining, farmers markets, festivals, Punta Gorda Airport, shopping, and so much more, this INSTANT GULF ACCESS home with stunning saltwater lake views promises a lifestyle of relaxation and endless enjoyment. Don’t miss out on this extraordinary opportunity! SCHEDULE YOUR PRIVATE TOUR TODAY and start living your dream!

Features

  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 90 x 125
  • Laundry: In Garage
  • Style: Florida
  • Year Built: 1981
  • Garage: 2-car Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,577
  • Acreage: 0.26
  • Lot Size: 90 x 125
  • Est. Taxes: $6,119
  • Lot Desc: Corner Lot, In County, Landscaped
  • View: Water
  • Water Front: Yes
  • Elem. School: Meadow Park Elementary
  • Middle School: Murdock Middle
  • High School: Port Charlotte High
  • Pool: Gunite, Heated, In Ground, Salt Water, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: C7526242
  • Days on Market: 13 days
  • Website: https://www.raveis.com
    /prop/C7526242/18881mcgrathcircle_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 7/6/2026 9:33:11 PM)
Listing courtesy of RE/MAX PALM PCS   Phone: 941-889-7654

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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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18881 MCGRATH CIRCLE, Port Charlotte, FL, 33948

$575,000

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 $460,000 $460,000 $460,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.866%
Monthly Tax Payment $510 $510 $510
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,755 $2,904 $3,789
Total Monthly Payment $3,357 $3,506 $4,391

* 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.