
1905 MISSISSIPPI AVENUE, ENGLEWOOD, FL, 34224
Active37 days on marketListed Oct 1, 2026MLS #A4708144
About this home
1905 MISSISSIPPI AVENUE
Virtually Staged. A masterwork of coastal positioning, this landmark waterfront estate represents one of the most commanding geographical opportunities on Lemon Bay. This one-of-a-kind sanctuary is surrounded by water in nearly every direction, offering an unrepeatable 107 feet of bay frontage. Substantially reimagined and expanded in 2006—with the second and third levels custom-constructed—this elevated multi-level coastal estate has had all of the major capital improvements completed. Recent high-value investments include a brand-new metal roof (April 2024), full interior and exterior paint (Nov 2024), three high-efficiency HVAC systems (2023), a dedicated pool heat pump (April 2020), whole-house water filtration and softening, updated electrical infrastructure, and full hurricane impact windows and doors paired with additional shutter protection for total structural peace of mind. For the yachting enthusiast or discerning land collector, the property features a massive seawall and immediate sailboat-water access with no fixed bridges to the open Gulf via Stump Pass. Strategic re-engineering options for the expansive seawall allow for vessels ranging from 50 to 100 feet, making it a rare sanctuary for elite maritime craft. Spanning an impressive 4,937 sq ft under air across a meticulously designed layout, this 5-bedroom, 4.5-bathroom estate effortlessly frames sweeping, panoramic water views from nearly every room. An internal elevator seamlessly services every level, from the ground floor up to the third-story observation suite. The main living level features soaring 10- and 12-foot ceilings, a gas fireplace framed by rich travertine, and extensive custom built-ins. Flowing effortlessly into the dining area, the gourmet culinary space is appointed with custom cherry wood cabinetry, solid-core wood doors, premium granite countertops, a large entertaining island, a Thermador gas range, and a brand-new GE stainless refrigerator. Four bedrooms are situated on the main level, including two comprehensive en-suites. The primary suite serves as an exquisite private oasis, complete with French door balcony access, a custom walk-in closet, and a spa-like bath with dual showerheads. Ascend via elevator to the top floor, which functions as an elite observation retreat or bonus entertainment lounge. Outfitted with a wet bar, wine storage, and refrigeration, French doors open out to a private wraparound balcony offering bird’s-eye views across the Intracoastal, canal, and distant Gulf horizon. Providing unmatched flexibility for multi-generational living or an executive retreat, the ground level serves as a private, fully air-conditioned mother-in-law suite (featuring 729 sq ft of non-conforming space). Designed with its own private entrance that can be completely separated from the main residence, it includes a dedicated living area, bedroom, and full bath that opens directly to the resort-style screened pool and spa with premium paver decking and soaring ceiling heights. Wrapped in extensive Trex decking for effortless indoor-outdoor connectivity, this estate stands ready for its next legacy chapter. Whether looking to dock a major vessel or acquire a highly secure, private peninsula layout, this is an immediate, high-value asset opportunity. Entire 1st floor was constructed in 1956, but then was reconfigured to add more living space in 2006. The entire 2nd and 3rd floors of the home was built in 2006. Some rooms virtually staged.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,937
Sqft
0.3 ac
Lot size
3
Garage
2006
Year built
Three Or More
Levels
$506
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 — not generic estimates.
$18,228 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$18,228/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+35.7%
$/sqft vs Englewood actives
$506 vs $232
Days on market
37 vs 67 typical
Where $506/sqft sits among the 400 Englewood 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 Englewood
Get to know Englewood. See the full Englewood guide →
ENGLEWOOD 34224 — neighborhood snapshot
Population
15,536
Median age
64.8
Median income
$57,281
Median home value
$287,100
Avg household
1.95
Households w/ children
738
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Englewood market
$323K → $340K
Englewood median sold, yr/yr
94.7%
Sale-to-list ratio (12 mo)
169 of 400
Englewood actives have cut their price
Median sold price, Englewood, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1752% above the ENGLEWOOD 34224 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 1905 MISSISSIPPI AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,850,000
1210 GULF BOULEVARD
6 bd · 4.5 ba · 3,753 sqft · $493/sqft · 23 DOM
Sold · Aug ’26$2,150,000
1910 OREGON TRAIL
4 bd · 3.5 ba · 3,050 sqft · $705/sqft · 141 DOM
Sold · Apr ’26$520,000
8566 SAINT KITTS CIRCLE
4 bd · 2 ba · 2,239 sqft · $232/sqft · 86 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1905 MISSISSIPPI AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1905 MISSISSIPPI AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1905 MISSISSIPPI AVENUE FAQs
What would the monthly payment be for 1905 MISSISSIPPI AVENUE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $18,228/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1905 MISSISSIPPI AVENUE?+
The most recent tax bill on record (2025) was $16,778. 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 1905 MISSISSIPPI AVENUE?+
The listing reports pets: Cats OK, Dogs OK, 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 Englewood?+
At $2,499,999, this home is listed about 614% above the Englewood median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1905 MISSISSIPPI AVENUE?+
Lemon Bay High School (high), L. A. Ainger Middle School (middle), Myakka River Elementary School (elementary) — 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
$2,499,999 runs 1752% above the ENGLEWOOD 34224 median — but at 4,937 sqft it's also nearly 3 times the size of the typical Englewood 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 $2,649,000, now $2,499,999 — a $149K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN DWELLINGS REALTY · Shayla Twit. MLS #A4708144.
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.
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