10828 LERWICK CIRCLE, ENGLEWOOD, FL, 34223
Active33 days on marketListed Oct 5, 2026MLS #N6145950
About this home
10828 LERWICK CIRCLE
ENJOY BEAUTIFUL, UNOBSTRUCTED POND VIEWS FROM YOUR HOME AND LANAI!! Fully UPDATED VILLA, ready to enjoy in Arlington Cove - one of the few communities left in Sarasota County with NO CDD FEE, NO AGE RESTRICTIONS, and NO FLOOD ZONE! This "SeaGrass" villa sits in a prime spot at the center of the pond, so every morning begins with the sun rising over the water and the natural preserve beyond. It has been thoughtfully updated from top to bottom with a NEW KITCHEN with QUARTZ COUNTERS and a NEW GARBAGE DISPOSAL, NEW INTERIOR PAINT, NEW FANS AND LIGHT FIXTURES, DIMMERS THROUGHOUT, and a NEW WATER HEATER (2025). For storm season peace of mind, the home has ACCORDION HURRICANE SHUTTERS and GUTTERS ALL AROUND, and PLANTATION SHUTTERS inside add a custom finish. A barrel tile roof and screened front entry set a welcoming tone. Inside, the open great room flows through triple sliders to a screened lanai, the perfect place for morning coffee or an evening unwind with the pond as your backdrop. The kitchen features stainless steel appliances, a pantry, ample lighting, and easy-care tile throughout the living areas. The primary suite offers a large walk-in closet and a walk-in shower with an oversized vanity. A split floor plan gives guests their own bedroom and bath, and the spacious den is easily used as an office, flex room or extra sleeping space. The separate laundry room includes cabinetry, and a storage closet. The 2-car garage has been upgraded with NEW GARAGE DOOR OPENER SPRINGS and OVERHEAD STORAGE RACKS. HOA includes lawn care, so you can spend your time at the heated resort-style pool and cabana instead of mowing. Minutes to Englewood's Gulf beaches, golf, fishing, parks, shopping and dining.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,434
Sqft
0.09 ac
Lot size
2
Garage
2012
Year built
One
Levels
$234
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.
$3,219 /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
$3,219/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
−15.5%
$/sqft vs Englewood actives
$234 vs $232
Days on market
33 vs 67 typical
Where $234/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 Arlington Cove
Get to know Englewood. See the full Englewood guide →
Arlington Cove — neighborhood snapshot
Population
865
Median age
74
Median income
$89,821
Median home value
$528,600
Avg household
2
Households w/ children
5%
For the school run
Sarasota 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 15% below the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 10828 LERWICK CIRCLE
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$310,000
10924 LERWICK CIRCLE · same community
2 bd · 2 ba · 1,434 sqft · $216/sqft · 118 DOM
Sold · Aug ’26$264,026
10751 LERWICK CIRCLE · same community
2 bd · 2 ba · 1,434 sqft · $184/sqft · 105 DOM
Sold · May ’26$312,000
27255 IPSWICH DRIVE · same community
2 bd · 2 ba · 1,560 sqft · $200/sqft · 13 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10828 LERWICK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10828 LERWICK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10828 LERWICK CIRCLE FAQs
What would the monthly payment be for 10828 LERWICK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,219/mo — principal and interest, the actual property-tax bill, the $325/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 10828 LERWICK CIRCLE?+
The association fee works out to $325 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10828 LERWICK CIRCLE?+
The most recent tax bill on record (2025) was $3,438. 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 10828 LERWICK CIRCLE?+
The listing reports pets: Number Limit, 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 $334,900, this home is listed about 4% below the Englewood median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10828 LERWICK CIRCLE?+
Englewood Elementary School (elementary), Lemon Bay High School (high), L. A. Ainger Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ENGLEWOOD 34223 market on paper
$334,900 is 15% below the ENGLEWOOD 34223 median of $392,403, and at $234/sqft it sits under the Englewood average of $302.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Englewood Elementary School, Lemon Bay High School, L. A. Ainger Middle School — Englewood Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Colleen Martens. MLS #N6145950.
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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