
4095 N BEACH ROAD, ENGLEWOOD, FL, 34223
Active23 days on marketListed Oct 15, 2026MLS #A4708706
About this home
4095 N BEACH ROAD
REFRESHED ISLAND RETREAT WITH DEEDED BEACH AND DOCK ACCESS ON MANASOTA KEY! Enjoy the best of Florida's coastal lifestyle in this beautifully updated 2-bedroom, 2-bath home with an additional sunroom/den, tucked into the quaint Pelican Shores neighborhood on Manasota Key. With deeded access to the Gulf beaches just across the street and community dock access on Lemon Bay, this property offers the rare opportunity to enjoy both boating and beachside living without the expense and restrictions of a condominium. Recently refreshed inside and out, the home features updated flooring throughout, refreshed kitchen and bathrooms, and an approximately 264 square feet of enclosed sunroom/den space with hurricane-impact windows. This bright, versatile room provides the perfect setting for a home office, additional sitting area, hobby room, or relaxing retreat surrounded by tropical views. Inside, the open great-room design features vaulted ceilings, an abundance of natural light, and an easy flow between the living, dining, and kitchen areas. The refreshed kitchen offers white cabinetry, quartz countertops, stainless steel appliances, a breakfast bar, and generous storage. The spacious primary suite features a walk-in closet, private bathroom, and direct access to the backyard, while the comfortable guest bedroom and updated second bathroom provide welcoming accommodations for visitors. Constructed of concrete block with an elevated slab foundation and durable metal roof, the home combines classic Florida coastal character with practical features. Outside, the oversized, approximately quarter-acre lot is a standout feature, offering far more outdoor space than many island properties. The fully fenced yard has been enhanced with updated tropical landscaping, creating an inviting setting with room for outdoor entertaining, gardening, pets, or a future pool. A substantial **16-by-20-foot storage shed** provides exceptional additional space for beach equipment, fishing gear, bicycles, kayaks, and all the essentials of coastal living. The real advantage is the LOCATION and ACCESS. Pelican Shores is a small, established island neighborhood offering deeded beach access to the Gulf and community dock access along Lemon Bay, where residents can enjoy fishing, boating, kayaking, and access to the Gulf through Stump Pass. Spend the morning on the beach, an afternoon exploring the waterways, and the evening enjoying the island's local restaurants and waterfront gathering spots. Adding to the area's appeal, a major **Manasota Key beach re-nourishment project is planned**, with construction currently anticipated to begin in late 2026. This shoreline restoration initiative is designed to replenish sand and restore portions of the island's beach and dune system. Whether you're searching for a full-time island residence, seasonal getaway, or coastal investment opportunity, this refreshed home offers an attractive combination of updated living spaces, generous outdoor space, and access to both the BEACH and BAY. Experience the laid-back charm of Manasota Key, where life moves at a different pace and the water is always close by.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,466
Sqft
0.22 ac
Lot size
1995
Year built
One
Levels
$647
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.
$7,037 /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
$7,037/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
+127%
$/sqft vs Englewood actives
$647 vs $231
Days on market
23 vs 67 typical
Where $647/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 34223 — neighborhood snapshot
Population
19,884
Median age
67.8
Median income
$76,016
Median home value
$408,000
Avg household
1.89
Households w/ children
689
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)
171 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 142% above the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 4095 N BEACH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$615,000
4078 PELICAN SHORES CIRCLE · same community
2 bd · 2 ba · 1,228 sqft · $501/sqft · 33 DOM
Sold · Jul ’26$630,000
4090 PELICAN SHORES CIRCLE · same community
3 bd · 3 ba · 1,104 sqft · $571/sqft · 100 DOM
Sold · Apr ’26$505,000
1651 BEACH ROAD UNIT 301
3 bd · 2 ba · 1,485 sqft · $340/sqft · 388 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4095 N BEACH ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4095 N BEACH ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4095 N BEACH ROAD FAQs
What would the monthly payment be for 4095 N BEACH ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,037/mo — principal and interest, the actual property-tax bill, the $25/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 4095 N BEACH ROAD?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4095 N BEACH ROAD?+
The most recent tax bill on record (2025) was $6,285. 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 4095 N BEACH ROAD?+
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 $949,000, this home is listed about 171% above the Englewood median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4095 N BEACH ROAD?+
Lemon Bay High School (high), L. A. Ainger Middle School (middle) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MATTHEW GUTHRIE AND ASSOCIATES REALTY LLC · Jordan Chancey, PA. MLS #A4708706.
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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