
430 W HARVARD STREET, ENGLEWOOD, FL, 34223
Active6 days on marketListed Nov 1, 2026MLS #A4710278
About this home
430 W HARVARD STREET
Virtually Staged. Renovated living, no HOA, and space to enjoy the outdoors come together at this 2-bedroom, 1-bath home in Englewood, Florida, featuring PGT hurricane impact-rated windows throughout, Flood Zone X positioning, and a private backyard with double-gate access and a shed with electricity. Inside, the open-concept layout connects the living area and kitchen, with luxury vinyl plank flooring and an electric fireplace creating a welcoming setting for everyday living or gathering with guests. The updated kitchen features granite countertops, an induction range, refrigerator, dishwasher, and built-in microwave, while a stacking washer and dryer and tankless water heater add convenience. The renovated bathroom includes shellstone flooring, updated fixtures, and a walk-in shower. Extensive improvements extend beyond the finishes to include new wood framing, lath, and a moisture barrier, updated electrical, new PEX plumbing, and replacement of the sewer line connecting the home to the street, complemented by a roof replaced in 2019. Outside, the spacious backyard offers room for gardening, outdoor dining, or relaxing after a day at the beach, while the powered shed provides additional storage or space for hobbies and workshop projects. Double-gate access adds flexibility for moving larger items into the yard, and public water and sewer simplify everyday ownership. Enjoy convenient access to historic Dearborn Street’s locally owned shops, restaurants, and galleries, along with Lemon Bay Park and Environmental Center, Buchan Airport Community Park, and Englewood Beach, approximately 6 miles away. With its renovated interior, extensive system updates, and useful outdoor space, this Englewood home offers a compelling combination of comfort, functionality, and access to Florida’s Gulf Coast.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
999
Sqft
0.13 ac
Lot size
1946
Year built
One
Levels
$310
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.
$2,562 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,562/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+18.8%
$/sqft vs Englewood actives
$310 vs $236
Days on market
6 vs 67 typical
Where $310/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 Old Englewood Village
Get to know Englewood. See the full Englewood guide →
Old Englewood Village — neighborhood snapshot
Population
3,484
Median age
63
Median income
$60,331
Median home value
$368,948
Avg household
2
Households w/ children
140
For the school run
Sarasota 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)
161 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 21% below the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 430 W HARVARD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$130,000
15 QUAILS RUN BOULEVARD UNIT 1
2 bd · 2 ba · 1,013 sqft · $128/sqft · 117 DOM
Sold · Jun ’26$168,500
330 E FRAY STREET
1 bd · 1 ba · 967 sqft · $174/sqft · 281 DOM
Sold · Oct ’26$210,000
106 JOSE GASPAR DRIVE UNIT 106
2 bd · 2 ba · 1,040 sqft · $202/sqft · 39 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 430 W HARVARD STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 W HARVARD STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
430 W HARVARD STREET FAQs
What would the monthly payment be for 430 W HARVARD STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,562/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 430 W HARVARD STREET?+
The most recent tax bill on record (2025) was $1,645. 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 430 W HARVARD STREET?+
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 $309,900, this home is listed about 11% below the Englewood median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 430 W HARVARD STREET?+
Englewood Elementary School (elementary), Lemon Bay High School (high), L. A. Ainger Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ENGLEWOOD 34223 market on paper
$309,900 is 21% below the ENGLEWOOD 34223 median of $392,403.
02Fresh on the market
Only 6 days on market in a Englewood market that averages 67 — if it fits, move quickly.
03Strong assigned schools
Englewood Elementary School, Lemon Bay High School, L. A. Ainger Middle School — Englewood Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LOYD ROBBINS & CO. LLC · Ali Marks. MLS #A4710278.
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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