CENTURY 21 Edge
$885,0003 bd2 ba1,774 sqft$499 /sqft≈$6,476 /mo all-in ↓

9230 PINE COVE DRIVE, ENGLEWOOD, FL, 34224

Active39 days on marketListed Sep 29, 2026MLS #N6145882

WaterfrontSingle Family ResidencePINE COVE

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Sat, Nov 7

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Broker

Sat, Nov 7

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About this home

9230 PINE COVE DRIVE

Virtually Staged. Experience exceptional Florida waterfront living in this ELEVATED 3-bedroom, 2-bath coastal retreat with a 4-CAR GARAGE, workshop, and 1,778 square feet of garage and storage space. Enjoy BOATABLE DEEP-WATER ACCESS with a short ride to the Intracoastal Waterway and Gulf.NO HOA. Perfectly positioned on an oversized lot, the property boasts 100 FEET OF CONCRETE SEAWALL, a CEMENT DOCK WITH POWER, and a COVERED BOAT LIFT, creating an outstanding setup for serious boaters. With sailboat-accessible water and no fixed bridges to limit your boating lifestyle, this is a rare opportunity to enjoy effortless access to some of Southwest Florida’s most desirable waterways. Multiple outdoor living spaces elevate the coastal experience, with screened lanais on both levels capturing peaceful water views and a wraparound porch perfectly positioned to enjoy both sunrise and sunset. An extended waterfront entertaining area provides even more space to relax, gather with friends, and take in the views just steps from your dock. A truly exceptional feature is the entire 1,774-square-foot lower-level garage and storage area, offering an extraordinary amount of flexible space rarely found in a waterfront property. BRAND NEW durable epoxy/polyaspartic floor coating with TRANSFERRABLE Warranty, fresh paint, and NEW LIGHTING, this expansive area also includes built-in shelving and a workbench. There is abundant room for a golf cart, boating and fishing gear, kayaks, bicycles, workshop space, recreational equipment, and extensive storage. The improvements continue into the lower-level lanai, creating a clean, bright, finished space that adds even more versatility for entertaining, hobbies, and waterfront living. The elevated main living level is designed to embrace the views, with large sliding glass doors filling the spacious great room and dining area with natural light while creating a seamless connection to the waterfront lanai. The updated kitchen features granite countertops, beautiful cabinetry, three pantries, a built-in desk, and direct lanai access, making it equally suited for everyday living and entertaining. The primary suite offers a private retreat with dual built-in closets and an ensuite bath featuring granite countertops and a walk-in shower. Two additional guest bedrooms provide excellent flexibility, including one with a Murphy bed and direct lanai access that works beautifully as a home office or guest suite, along with an oversized secondary guest room and well-appointed guest bath. All three bedrooms have been refreshed with NEW CARPET, enhancing the home's clean, move-in-ready appeal. Additional updates include a 2023 roof, 2023 A/C, 2024 water heater, and 2024 refrigerator and microwave, along with elevated HVAC placement for added peace of mind. The elevated design provides an important advantage for waterfront living, with NO FLOODING TO THE MAIN LIVING LEVEL during past storms or storm surge events. Beautiful landscaping further enhances the property's coastal setting. With deep-water boating access, approximately 100 feet of seawall, private dock and boat lift, expansive garage and storage space, multiple waterfront living areas, and an elevated main living level, this property delivers the lifestyle waterfront buyers are searching for. Move-in ready and designed around the water, it is a rare opportunity to enjoy boating, breathtaking views, and effortless access to the Intracoastal Waterway and Gulf—all from your own backyard.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,774

Sqft

0.26 ac

Lot size

4

Garage

1986

Year built

One

Levels

$499

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Wood Frame · Wood Siding
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level · Guest · Oversized · Tandem · Under Building · Workshop in Garage
ExteriorIrrigation System · Lighting · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$4,974/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,476 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$5,569
PMI (est., until 20% equity)$332
Property tax — 2025 actual bill$415
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $88,500Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $88,500
Interest rate7.50%
Loan term

Estimated payment

$6,476/mo

Principal & interest$5,569
PMI (est., until 20% equity)$332
Property taxes (actual bill)$415
Est. insurance$160

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.

List $885K
$336KedgeAI estimate $388,354 · range $350K–$400K$920K

vs edgeAI estimate

+127.9%

$/sqft vs Englewood actives

$499 vs $231

Days on market

39 vs 67 typical

Where $499/sqft sits among the 400 Englewood actives

178
110
55
19 · this home
10
28
$115–219$219–323$323–426$426–530$530–634$634+

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

HighLemon Bay High School★★★★★
MiddleL. A. Ainger Middle School★★★★★
ElementaryMyakka River Elementary School★★★★★

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

The numbers that matter

The Englewood market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s 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 556% above the ENGLEWOOD 34224 median. See the full Englewood market guide →

Paper trail

This home's history

Sep 29, 2026Listed at $885,000 · 39 days on market since
1986Built · PINE COVE

Reality check

What actually sold near 9230 PINE COVE DRIVE

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

9211 LAKE DRIVESold · May ’26

$670,000

9211 LAKE DRIVE · same community

2 bd · 2 ba · 1,358 sqft · $493/sqft · 24 DOM

780 HELEN AVENUESold · Nov ’25

$258,000

780 HELEN AVENUE · same community

3 bd · 2 ba · 1,238 sqft · $208/sqft · 45 DOM

9300 GRIGGS ROADSold · Feb ’26

$1,900,000

9300 GRIGGS ROAD · same community

3 bd · 3 ba · 2,332 sqft · $815/sqft · 35 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.

Pedro Ribeiro Gloria

Your agent

Pedro Ribeiro Gloria

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 9230 PINE COVE 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 9230 PINE COVE DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

9230 PINE COVE DRIVE FAQs

What would the monthly payment be for 9230 PINE COVE DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,476/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 9230 PINE COVE DRIVE?+

The most recent tax bill on record (2025) was $4,974. 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 9230 PINE COVE DRIVE?+

The listing reports pets: 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 $885,000, this home is listed about 153% above the Englewood median of $350,000. The market section on this page shows how the area is trending.

Which schools are assigned to 9230 PINE COVE 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.

Listing courtesy of MICHAEL SAUNDERS & COMPANY · Yvonne Wolf. MLS #N6145882.

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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