2295 N BEACH ROAD UNIT 26 CIELO ST, ENGLEWOOD, FL, 34223
Active5 days on marketListed Nov 2, 2026MLS #D6149409
About this home
2295 N BEACH ROAD UNIT 26 CIELO ST
Discover the charm of this stunning beachfront cottage nestled directly on the Gulf of Mexico, a perfect blend of luxury and comfort! Every aspect of this 2-bedroom, 2-bathroom home has been completely renovated to meet the latest hurricane codes, ensuring safety and peace of mind. Featuring 2023 PGT High Impact Resistant Windows and Sliders, tinted glass, upgraded electrical systems, a TPO Membrane Roof, soffits, fascia, and three 2025 Daikin mini-split air conditioning units, this home exudes quality and durability. Inside, you will notice the stylish 2023 laminate flooring throughout with an airy, open floor plan that offers breathtaking Gulf views, and a spacious lanai, ideal for entertaining. Ascend the outdoor staircase to the upper deck and witness mesmerizing Gulf views and stunning sunsets. Additional enhancements include newer plumbing, underground power lines, and an updated carport for added convenience. Step outside to enjoy landscaped grounds with a paver driveway and walkways. Located within the 55+ Gulf to Bay Mobile Home COOP (a stick-built home), indulge in 150 feet of private beachfront, perfect for sandcastle building and beachcombing. Across the street, find access to Lemon Bay for endless water adventures. The home was totally rebuilt and renovated for the purpose of updating the house and adding the second bedroom and second bathroom, incurring zero damage from Hurricanes Ian, Helene, or Milton. This property is offered turnkey-furnishe and a Garrison 50' Guppy tube hurricane protection barrier with 10' of plastic sheeting (minus personal items). Enjoy easy access to Manasota's dining and conveniences, with Englewood's amenities nearby and Venice and Sarasota just a short drive away. Don't miss the opportunity to own this meticulously crafted coastal retreat—call today for your private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,305
Sqft
0.02 ac
Lot size
1952
Year built
One
Levels
$735
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.
$7,434 /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
$7,434/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
+59.9%
$/sqft vs Englewood actives
$735 vs $242
Days on market
5 vs 67 typical
Where $735/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)
163 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 144% above the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 2295 N BEACH ROAD UNIT 26 CIELO ST
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$370,000
1977 BEACH ROAD UNIT 78
2 bd · 2 ba · 1,299 sqft · $285/sqft · 2 DOM
Sold · Oct ’26$325,000
1 PEARL STREET UNIT 1
2 bd · 2 ba · 1,275 sqft · $255/sqft · 362 DOM
Sold · Mar ’26$499,000
2255 N BEACH ROAD UNIT 14
3 bd · 2 ba · 1,357 sqft · $368/sqft · 0 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2295 N BEACH ROAD UNIT 26 CIELO ST — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2295 N BEACH ROAD UNIT 26 CIELO ST — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2295 N BEACH ROAD UNIT 26 CIELO ST FAQs
What would the monthly payment be for 2295 N BEACH ROAD UNIT 26 CIELO ST?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,434/mo — principal and interest, the actual property-tax bill, the $179/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 2295 N BEACH ROAD UNIT 26 CIELO ST?+
The association fee works out to $179 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2295 N BEACH ROAD UNIT 26 CIELO ST?+
The most recent tax bill on record (2026) was $8,410. 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 2295 N BEACH ROAD UNIT 26 CIELO ST?+
The listing reports pets: No. 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 $959,000, this home is listed about 174% above the Englewood median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2295 N BEACH ROAD UNIT 26 CIELO ST?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$959,000 runs 144% above the ENGLEWOOD 34223 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 5 days on market in a Englewood market that averages 67 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Rebekah McCracken. MLS #D6149409.
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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