
10522 RIVERSIDE ROAD, PORT CHARLOTTE, FL, 33981
Active102 days on marketListed Apr 23, 2026MLS #C7525111
About this home
10522 RIVERSIDE ROAD
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.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,382
Sqft
0.23 ac
Lot size
3
Garage
2025
Year built
One
Levels
$438
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.
$6,396 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,396/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
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
+52.6%
$/sqft vs Port Charlotte actives
$438 vs $208
Days on market
102 vs 56 typical
Where $438/sqft sits among the 400 Port Charlotte actives
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 South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
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 → $301K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
166 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2543% 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 10522 RIVERSIDE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$289,900
450 ALBATROSS ROAD · same community
3 bd · 2 ba · 1,606 sqft · $181/sqft · 418 DOM
Sold · Nov ’25$253,000
13564 SEDGWICK AVENUE · same community
3 bd · 2 ba · 1,360 sqft · $186/sqft · 54 DOM
Sold · Sep ’25$405,499
10386 CALUMET BOULEVARD
3 bd · 2.5 ba · 2,361 sqft · $172/sqft · 348 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10522 RIVERSIDE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10522 RIVERSIDE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
10522 RIVERSIDE ROAD FAQs
What would the monthly payment be for 10522 RIVERSIDE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,396/mo — principal and interest, the actual property-tax bill, the $10/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 10522 RIVERSIDE ROAD?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10522 RIVERSIDE ROAD?+
The most recent tax bill on record (2025) was $2,419. 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 10522 RIVERSIDE ROAD?+
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 $1,044,000, this home is listed about 212% above the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10522 RIVERSIDE ROAD?+
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
$1,044,000 runs 2543% above the PORT CHARLOTTE 33981 median — but at 2,382 sqft it's also 45% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $1,099,000, now $1,044,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Nick Demers. MLS #C7525111.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 10522 RIVERSIDE ROAD but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →


