CENTURY 21 Edge
$285,000$319,0002 bd2 ba1,534 sqft$186 /sqft$2,379 /mo all-in ↓

1029 HARBOR TOWN DRIVE, VENICE, FL, 34292

Active167 days on marketListed Feb 20, 2026MLS #C7521920

Priced 19% below the VENICE 34292 medianReduced $34KSingle Family ResidenceCHESTNUT CREEK PATIO HOMES

About this home

1029 HARBOR TOWN DRIVE

One or more photo(s) has been virtually staged. At the end of a quiet cul-de-sac in the sought-after Patio Homes of Chestnut Creek, there is a home that seems to understand the art of exhale. The home was intentionally designed for retirement convenience with its open floor plan and wider doorways. Situated on a quiet cul-de-sac, it is as welcoming as the friendly neighbors, tree-canopied streets, and sidewalks that make navigating this pristine community safe and enjoyable for all ages. Here, morning arrives gently. Sunlight drifts through soaring ceilings that rise nearly twelve feet high, filling the spacious living room with a warm, golden glow. The air feels lighter, the rooms feel larger, and the open floor plan unfolds effortlessly, offering generous space to gather, entertain, or simply stretch out and savor the quiet rhythm of the day. With 1,500+ square feet, two bedrooms, and two baths, this thoughtfully designed one-story home offers comfort without excess and ease without compromise. The kitchen is ready for conversation and creativity, with abundant counter space and a pantry that keeps everything tucked neatly away. Behind double doors, the primary suite becomes a retreat of its own. A spacious walk-in closet offers room for everything, while the private en suite bath provides a calm space to begin and end each day. The second bedroom and bath welcome guests with comfort and privacy. Step outside and the world softens even further. The spacious backyard is framed by mature landscaping, creating a natural sense of privacy. It is the kind of setting where morning coffee lingers a little longer and evening breezes feel like a quiet reward. Updates include: new roof (2022), new hurricane-resistant garage door (2024), and new water heater (2025). Plus, located in Flood Zone X requiring no flood insurance! Life in Venice carries its own gentle charm. Just minutes away, you will find the soft sands of Venice Beach, waterfront restaurants, boutique shopping, and the vibrant yet welcoming downtown filled with parks and year-round events. Within the community itself, residents enjoy tennis, pickleball, shuffleboard, a clubhouse, a refreshing pool, and tree-canopied streets perfect for walking or biking beneath Florida’s blue skies. This home is ideal for those ready to retire into tranquility, downsize without sacrifice, or secure a winter escape at an affordable price. It is not just a property. It is a slower morning, a calmer afternoon, and a sunset you never have to rush to catch.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,534

Sqft

0.2 ac

Lot size

2

Garage

1996

Year built

One

Levels

$186

Per sqft

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesEast
ExteriorIrrigation System · Private Yard · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$225/mo
Taxes (2025)$2,281/yr
PetsNumber Limit
CommunityBuyer Approval Required · Clubhouse · Deed Restrictions · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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.

$2,379 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,678
FHA mortgage insurance (est.)$126
Property tax — 2025 actual bill$190
HOA fee — from the listing$225
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,975Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,975
Interest rate6.00%
Loan term

Estimated payment

$2,379/mo

Principal & interest$1,678
FHA mortgage insurance (est.)$126
Property taxes (actual bill)$190
HOA / condo fee$225
Est. insurance$160

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.

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.

List $285K
$274KedgeAI estimate $334,634 · range $311K$353K$367K

vs edgeAI estimate

−14.8%

$/sqft vs Venice actives

$186 vs $254

Days on market

167 vs 58 typical

Where $186/sqft sits among the 400 Venice actives

129 · this home
149
61
21
9
31
$153–220$220–287$287–354$354–421$421–488$488+

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 Chestnut Creek

Map of 1029 HARBOR TOWN DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Venice. See the full Venice guide →

Chestnut Creek — neighborhood snapshot

Population

2,507

Median age

69

Median income

$77,128

Median home value

$411,100

Avg household

2

Households w/ children

157

For the school run

Sarasota County School District

ElementaryGarden Elementary School★★★★★
MiddleVenice Middle School★★★★
HighVenice Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Venice market

Seller’s marketSeller’s market2.8 months of inventoryBuyer’s market

$390K$375K

Venice median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

184 of 400

Venice actives have cut their price

Median sold price, Venice, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 19% below the VENICE 34292 median. See the full Venice market guide →

Paper trail

This home's history

CurrentPrice reduced to $285,000 $34K
Feb 20, 2026Listed at $319,000 · 167 days on market since
1996Built · CHESTNUT CREEK PATIO HOMES

Reality check

What actually sold near 1029 HARBOR TOWN DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

944 HARBOR TOWN DRIVESold · Feb ’26

$275,000

944 HARBOR TOWN DRIVE · same community

3 bd · 2 ba · 1,498 sqft · $184/sqft · 5 DOM

1020 HARBOR TOWN DRIVESold · Jul ’26

$360,000

1020 HARBOR TOWN DRIVE · same community

3 bd · 3 ba · 1,850 sqft · $195/sqft · 19 DOM

956 HARBOR TOWN DRIVESold · Nov ’25

$375,000

956 HARBOR TOWN DRIVE · same community

3 bd · 2 ba · 1,862 sqft · $201/sqft · 319 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.

Julian Rivera

Your agent

Julian Rivera

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1029 HARBOR TOWN DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1029 HARBOR TOWN DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1029 HARBOR TOWN DRIVE FAQs

What would the monthly payment be for 1029 HARBOR TOWN DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,379/mo — principal and interest, the actual property-tax bill, the $225/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 1029 HARBOR TOWN DRIVE?+

The association fee works out to $225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1029 HARBOR TOWN DRIVE?+

The most recent tax bill on record (2025) was $2,281. 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 1029 HARBOR TOWN DRIVE?+

The listing reports pets: Number Limit. 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 Venice?+

At $285,000, this home is listed about 28% below the Venice median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1029 HARBOR TOWN DRIVE?+

Garden Elementary School (elementary), Venice Middle School (middle), Venice Senior High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the VENICE 34292 market on paper

$285,000 is 19% below the VENICE 34292 median of $350,000, and at $186/sqft it sits under the Venice average of $285.

02Time on market is leverage

167 days on market against a Venice median of 58 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Garden Elementary School, Venice Middle School, Venice Senior High School — Venice Middle School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $319,000, now $285,000 — a $34K cut. The full history is in the market section below.

Listing courtesy of RE/MAX HARBOR REALTY · Gary Cardillo. MLS #C7521920.

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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1029 HARBOR TOWN DRIVE, VENICE, FL — 2 Bed, 2 Bath — $285,000 | CENTURY 21 Edge