13121 Creekside Lane, Port Charlotte, FL 33953
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 17, 2026, 13121 Creekside Lane in Riverwood, Port Charlotte is listed at $310,000 (1,577 sq ft, about $197 per sq ft). That is 32% below Riverwood's median closed sale of $458,950 over the last 12 months (830 recorded sales). Per square foot it is below the community's recent $230/sq ft by about 14%. It came to market within the past week. Listing facts: built in 2011, HOA dues of $573/mo, a CDD assessment of about $1,621/yr. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$1,621/yr
- Built 2011 · 15 yrs
- 1,577 sq ft of living area
- 2-car garage
- Active listing
- HOA $573/mo (per listing)
About this home
TURNKEY FURNISHED FLORIDA LIVING IN RIVERWOOD! Discover your own private paradise in this beautifully appointed 2-bedroom + den, 2-bath twin villa with an attached 2-car garage, nestled within the prestigious, gated Riverwood community in Port Charlotte. Offering elegant finishes, and a peaceful pond view, this inviting home is designed for effortless living, entertaining, and enjoying the Florida lifestyle.
Offered turnkey furnished, this is your opportunity to move in and start enjoying the sunshine! Step inside to a bright, open-concept layout featuring soaring 10-foot ceilings, 8-foot interior doors, crown molding, and ceramic tile flooring laid on the diagonal throughout the main living areas. Luxury Plank Tile in both bedrooms.
The well-appointed kitchen combines style and functionality with stainless steel appliances, granite countertops, rich wood cabinetry, 36-inch upper cabinets with crown molding, a stone backsplash, breakfast bar, and a charming dining nook. The spacious great room flows seamlessly to the screened lanai through sliding glass doors, creating the perfect setting for entertaining or simply relaxing amid the beauty of your private backyard pond view. Enjoy morning coffee, outdoor dining, and the peaceful natural surroundings in your own tranquil retreat.
The spacious primary suite offers a relaxing escape with a generous walk-in closet and an en-suite bathroom featuring dual granite-topped vanities and a walk-in shower and handheld showerhead. The comfortable guest bedroom and adjacent full bathroom provide a welcoming space for family and visitors, while the versatile den offers endless possibilities as a home office, reading room, craft space, or additional flex area. Additional highlights include, plantation shutters, hurricane protection, a convenient laundry room with storage, and a two-car garage.
Riverwood offers an exceptional resort-inspired lifestyle surrounded by lush landscaping, scenic lakes, and protected natural habitats in an award-winning Audubon Green Community. Residents enjoy a renovated activity center campus featuring a lap pool, resort-style pool, fitness center, pickleball courts, tennis courts, bocce, lawn croquet, small and large dog parks, a craft room, library, and an active calendar of social events. Golf enthusiasts can enjoy the Riverwood Golf Club's 18-hole, par-72 championship course, with additional fees applicable.
A private beach club on beautiful Manasota Key offers another opportunity to enjoy Southwest Florida's coastal lifestyle; membership availability, transferability, and applicable fees should be verified. Conveniently located near boating, fishing, shopping, dining, cultural attractions, and the beautiful Gulf Coast beaches, Riverwood brings together the best of nature, recreation, and community living. Whether you're searching for a full-time residence, a seasonal getaway, or a place to enjoy your next chapter, this inviting villa offers the perfect opportunity to embrace the Florida lifestyle.
Come discover why Riverwood is a place so many are proud to call home!
Description provided by RIVERWOOD REALTY and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,717/mo 59%
- Taxes $367/mo 13%
- Insurance $114/mo 4%
- HOA $573/mo 20%
- CDD $135/mo 5%
$2,906/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateThe current taxable value ($307,739) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 13121 Creekside Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $5,200/yr (certified county roll, taxable value × millage). Buy at the asking price of $310,000 and the first-year bill resets to about $4,400/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.92 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | About $1,621/yr, the figure on file for this community; the listing record does not state its own. |
| HOA dues | $573/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Charlotte County is $2,298/yr (2,415 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2011. An original roof would be about 15 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,266/month (tax $367, CDD $135, HOA $573, insurance $192). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Charlotte County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Charlotte County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Charlotte County market
How this home is priced against recent nearby sales, and where Charlotte County has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Charlotte County
Each dot is a closed sale since 2004 (10700 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $197/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 49 (normal).
This home’s history
- 2011BuiltPer public record
- Oct 17, 2026First seen on movewithmomentum.comObserved at $310,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
Only 2 closed sales within about 10 miles in Charlotte County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Charlotte County in the last 18 months. Only 2 qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 1,577 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 17, 2026.
Momentum Property Score
65/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $197 per square foot, about 14% below the community’s $230 median. Charlotte County’s 12-month median sold price per square foot is $230. Median sold price per square foot is up 7.8% year over year. Confidence: Very High · 830 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Charlotte County sales closed near 93.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1423 active listings in Charlotte County.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by RIVERWOOD REALTY · MLS # D6149189
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Every home on Creekside Lane: what is for sale, what sold and when, the homes and the communities along it.
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Charlotte County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 13121 Creekside Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2011 (15 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $573/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $1,621/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Charlotte County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,577 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $4,400/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $800 less per year than the current owner’s estimated bill (−15%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 17, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Charlotte County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 13121 Creekside Lane and when was it built?
Per the listing record, 13121 Creekside Lane was built in 2011 and has 1,577 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 13121 Creekside Lane in?
13121 Creekside Lane is in Riverwood in Port Charlotte, Charlotte County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 13121 Creekside Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $573 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $1,621 per year; confirm the exact figure with the county.
Why might property taxes on 13121 Creekside Lane differ from the current owner's?
The estimate on this page (about $4,400 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $800 less per year than the current owner’s estimated bill (−15%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed at 13121 Creekside Lane?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 13121 Creekside Lane in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 13121 CREEKSIDE LANE in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.