1040 BAY HARBOR DRIVE, ENGLEWOOD, FL, 34224
Active51 days on marketListed Sep 17, 2026MLS #C7530736
About this home
1040 BAY HARBOR DRIVE
*DON’T MISS OUT ON THIS BEAUTIFUL BAY HARBOR ESTATE POOL HOME, OFFERED AT AN EXCEPTIONAL PRICE!* Located in the highly desirable Bay Harbor Estates community, this spacious *4-bedroom, 3-bathroom, 2-car garage home offers over 2,337 square feet of living space*, a beautiful layout, and the perfect combination of comfort, elegance, and Florida living! From the moment you arrive, you’ll appreciate the *lush tropical landscaping, impressive double-door entry, soaring vaulted ceilings, and spacious interior* designed for both everyday living and entertaining. The beautifully appointed kitchen features *granite countertops, wood cabinetry, stainless steel appliances, a pantry, and a charming breakfast nook*. *ENJOY THE FLORIDA LIFESTYLE AT ITS FINEST!* Step outside to your beautiful private swimming pool and expansive screened lanai, perfect for entertaining family and friends or simply relaxing in your own tropical retreat. *Pocket sliding glass doors open up the living areas to the outdoors*, creating a wonderful indoor-outdoor living experience. The spacious primary suite also features pocket sliding doors with access to the pool area, generous walk-in closets, and a beautifully tiled primary bathroom with dual pedestal sinks. *MAJOR BONUS: NEWER ROOF INSTALLED IN 2023!* Enjoy the added value and peace of mind of this significant improvement. *LOCATION, LOCATION, LOCATION!* Conveniently situated near beautiful Gulf Coast beaches, including *Manasota Key, as well as shopping, restaurants, entertainment, and everyday conveniences. **NATURE LOVERS WILL LOVE THIS LOCATION!* Just minutes away is the spectacular *120-plus-acre Oyster Creek Regional Park*, offering opportunities for hiking, jogging, canoeing, wildlife viewing, and enjoying Southwest Florida’s natural beauty. *HOMES IN THIS DESIRABLE COMMUNITY DON'T COME AVAILABLE OFTEN!* With its spacious floor plan, beautiful pool, oversized lanai, newer roof, tropical landscaping, and outstanding location, this property offers an exceptional opportunity to enjoy the Southwest Florida lifestyle. *DON’T LET THIS AMAZING OPPORTUNITY PASS YOU BY! SCHEDULE YOUR PRIVATE SHOWING TODAY BEFORE IT’S GONE!*
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,337
Sqft
0.32 ac
Lot size
2
Garage
1993
Year built
One
Levels
$205
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.
$4,054 /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
$4,054/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
−7.7%
$/sqft vs Englewood actives
$205 vs $232
Days on market
51 vs 67 typical
Where $205/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)
167 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 256% above the ENGLEWOOD 34224 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 1040 BAY HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$491,000
1087 BAY HARBOR DRIVE · same community
3 bd · 2 ba · 2,229 sqft · $220/sqft · 5 DOM
Sold · Jan ’26$360,000
1041 SCHOONER LANE · same community
3 bd · 2 ba · 1,778 sqft · $202/sqft · 55 DOM
Sold · Aug ’26$940,000
1930 MASSACHUSETTS AVENUE
3 bd · 2.5 ba · 2,275 sqft · $413/sqft · 396 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 1040 BAY HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1040 BAY HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1040 BAY HARBOR DRIVE FAQs
What would the monthly payment be for 1040 BAY HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,054/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 1040 BAY HARBOR DRIVE?+
The most recent tax bill on record (2024) was $4,637. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Englewood?+
At $480,000, this home is listed about 37% above the Englewood median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1040 BAY HARBOR DRIVE?+
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
$480,000 runs 256% above the ENGLEWOOD 34224 median — but at 2,337 sqft it's also 62% larger than the typical Englewood listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $490,000, now $480,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SCHIFF REALTY, INC. · Eden Cohen. MLS #C7530736.
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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