2820 PENGUIN LANE, ENGLEWOOD, FL, 34224
Pending186 days on marketListed Feb 6, 2026MLS #D6146047
About this home
2820 PENGUIN LANE
Here is your chance to purchase this great, lake front lot in Holiday Mob Estates III. This is a very popular and active 55+ community in Englewood. Water/sewer and HOA and Edgewater Club have all been maintained which will save on impact fees when you choose to bring in your new home. This lot allows you a beautiful view of Lake Sunapee, bird watching, fishing and wildlife galore. There is nothing more peaceful than a great water view to start or end your day. Close to dining, shopping, beaches and golf courses for your entertainment. Also included, many activities, dinners, dances, pool karaoke, shuffleboard, pickleball, too many to mention for the low price of 315.00/yearly. Don't miss out, call today.
Facts & features
The home at a glance
0.19 ac
Lot size
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.
$629 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$629/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.
Where it sits
Inside Englewood
Get to know Englewood. See the full Englewood guide →
ENGLEWOOD 34224 — neighborhood snapshot
Population
15,971
Median age
63.6
Median income
$56,862
Median home value
$262,200
Avg household
2.02
Households w/ children
795
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
$330K → $340K
Englewood median sold, yr/yr
94.6%
Sale-to-list ratio (12 mo)
Median sold price, Englewood, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% below the ENGLEWOOD 34224 median. See the full Englewood market guide →
Paper trail
This home's history
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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2820 PENGUIN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2820 PENGUIN LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2820 PENGUIN LANE FAQs
What would the monthly payment be for 2820 PENGUIN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $629/mo — principal and interest, the actual property-tax bill, the $3/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 2820 PENGUIN LANE?+
The association fee works out to $3 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2820 PENGUIN LANE?+
The most recent tax bill on record (2025) was $1,411. 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 2820 PENGUIN LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $55,000, this home is listed about 85% below the Englewood median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2820 PENGUIN LANE?+
Lemon Bay High School (high), L. A. Ainger Middle School (middle), Vineland Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ENGLEWOOD 34224 market on paper
$55,000 is 39% below the ENGLEWOOD 34224 median of $89,900.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
186 days on market against a Englewood median of 71 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lemon Bay High School, L. A. Ainger Middle School, Vineland Elementary School — Vineland Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Chris Clayton. MLS #D6146047.
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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