10522 Riverside Rd, photo 1
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Overview

4 bd3 ba2,382 sqft3 car garageSingle Family
TypeSingle Family
HOA$120/yr
Built2025
Lot10,162 sqft
Living area2,382 sqft
Price / sqft$417
Garage3 car

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About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersThermostat

10522 Riverside Rd is a 2025-built home in Port Charlotte Sec 03e, Port Charlotte. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,382 square feet of living space. Listed at $994,000 (about $417/sqft), 171 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $120 annually.

From the listing

EXPERIENCE UNPARALLELED SAILBOAT GULF WATER ACCESS in this stunning custom built 4 bedroom, 3 bath, 3 car garage pool home with a CONCRETE SEAWALL in the prestigious waterfront community of South Gulf Cove. Overlooking a STUNNING WIDE WATER CANAL, this home offers exquisite privacy, breathtaking southern exposure sunsets, and serene natural habitat views, an idyllic Florida lifestyle come true. HURRICANE RATED WINDOW, DOORS AND SLIDERS THROUGHOUT! This sleek, modern masterpiece showcases clean lines and incredible curb appeal with a contemporary paver walkway and driveway, manicured landscaping, soaring entryway, custom doors, and distinctive vertically stacked horizontal windows, pure elevated modern elegance. Step inside the foyer to an open floor plan flooded with natural light, tray ceilings, designer lighting, plank style porcelain tile flooring, and low profile linear air vents, all crafted with superior finishes throughout. The spacious living room features a dedicated theatre wall with a sleek modern fireplace and sliding doors that seamlessly connect indoor and outdoor living to the sparkling pool and stunning water views. Your chef worthy kitchen, adjacent to a formal dining room, boasts quartz counters and backsplash, stainless steel appliances, a chimney range hood, dome pendant lighting, soft-close cabinetry, decorator hardware and a spectacular waterfall edge breakfast bar, perfect for fine dining or effortless entertaining. The versatile den, enclosed with sleek frameless glass double doors, fills with ambient natural light and offers panoramic water vistas, making it ideal for an office or hobby room. The zen inspired primary suite is a private retreat with patio, pool, and outdoor kitchen access, tray ceiling, sky enhancing clerestory window, California Closets, and a spa like ensuite bath. The luxurious bath features a sculptural freestanding tub, high end double vanity, arched mirrors, low threshold Roman shower with linear drainage, rainfall fixtures, and dual-entry frameless glass doors finished with textured contemporary tile that indulge all your senses. Three spacious guest bedrooms offer modern convenience and stunning aesthetics, including one with direct access to the paver patio and captivating preserve and water views. The show stopping screened and caged pool area includes an integrated spa, lounge worthy sun shelf, and a fully equipped professional outdoor kitchen. Enjoy unmatched privacy, incredible cross breezes, and every modern outdoor living comfort beneath the covered tongue-and-groove wood ceiling, your ultimate Florida lifestyle awaits. Swim and live in luxurious privacy day or night while experiencing all the nature and gulf have to offer with every imaginable modern comfort at your fingertips. Additional standout features include no fixed bridges, unbeatable water views, NO HOA, PUBLIC WATER & SEWER, outside shower, concrete seawall, and a 3 car garage ready to accommodate all your toys. Move in ready with furniture available at a nominal extra cost. This is sophisticated, serene waterfront living at its finest. Don’t miss your dream home.

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The essentials

Built
2025
Price / sqft
$417
On market
171 days
Annual tax
$2,419
HOA
$120/yr
Flood zone
AE
Lot
10,162 sqft
Type
Single Family Residence

At a glance

Single family
Built 2025
Waterfront
Brackish Water
Private pool
Gunite
3 car garage
Driveway
10,162 sqft lot
Lot size

Payment

Est. monthly payment
$5,893/mo
Down payment (20%)
$198,800
Property taxes
$202/mo
HOA
$120/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2025
Lot
10,162 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Golf Cart Parking
Pool
Gunite, In Ground, Screen Enclosure
Waterfront
Brackish Water
Days on Market
171
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Outdoor Kitchen
Outdoor Shower
Clubhouse
Deed Restrictions
Playground
Built-in Oven
Cooktop
Dishwasher
Electric Water Heater
Microwave
Refrigerator
Elementary
Vineland Elementary
Middle
L.A. Ainger Middle
High
Lemon Bay High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$2,419
Parcel #
412128481014

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Port Charlotte Sec 03e
County
Charlotte
MLS Area
33981 - Port Charlotte
Lot Size
10,162 sqft
In CountyLandscapedOversized LotPaved
HOA
$120/yr

Price history

Date
Event
Price
10/9/2026
Price change
Source: Stellar MLS #C7525111
$994,000-0.2%
$417/sqft
-
Price change
Source: Stellar MLS #C7525111
$996,000-9.4%
$418/sqft
4/23/2026
Listed for sale
Source: Stellar MLS #C7525111
$1,099,000
$461/sqft

Neighborhood

10522 Riverside Rd
Port Charlotte, FL, 33981 · 33981 - Port Charlotte

Market insights

Offer Insights

Choose an offer strength

List price: $994,000
$950,000 – $994,000
95.7% – 100% of listTops out right at the list price
80% of listList price
230 of the last 459 home closings in 33981 landed at this number or higher (50%). The median one sat 89 days before it went under contract, and this one is on day 171 after a $105,000 cut.

Sample: 459 closed home sales in 33981 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,893/mo
Principal & interest$5,184
Property taxes$202
Insurance$497
HOA$10
Down payment20% · $198,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$994,000

$417 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,382 sq ft

Time on market

171 days

Year built

2025

Monthly payment

About $5,893/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,419 annual tax bill, insurance, and the $120/yr HOA fee.

HOA fee

$120/yr

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byRE/MAX PALM REALTYListing agent: Nick DemersListing data from Stellar MLS, MLS# C7525111.

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