492 SCHOONER STREET, NORTH PORT, FL, 34287
Pending7 days on marketListed Oct 29, 2026MLS #N6146378
About this home
492 SCHOONER STREET
Welcome to your own slice of Florida paradise! Located in the highly desired, pet-friendly, land-owned community of Harbor Isles, this lovely 1,514-square-foot home offers two bedrooms, two baths, and amazing lake views that make everyday living feel like a vacation. Built in 1995, this truly unique home is being offered turnkey furnished and features an open floor plan with vaulted ceilings throughout, two carports, and multiple spaces to relax and enjoy the beautiful Florida lifestyle. The eat-in island kitchen is a wonderful gathering space, offering abundant cabinetry, generous counter space, newer stainless-steel appliances, and beautiful lake views. Just off the kitchen, the den provides another peaceful spot to unwind while taking in the scenery. The home also features a spacious formal living area and a separate dining area, creating plenty of room for entertaining family and friends. One of the home's standout features is its two distinct outdoor living spaces. The large Florida room features acrylic windows and remote-controlled Hunter Douglas blinds, allowing you to enjoy the lake views in comfort. On the opposite side of the home, a generously sized screened lanai offers another inviting space for morning coffee, outdoor dining, or relaxing in the fresh Florida air. A dedicated laundry room adds everyday convenience. The spacious primary suite offers a private retreat with an ensuite bath featuring double sinks, a walk-in shower, and a walk-in Jacuzzi tub. The guest bedroom is also generously sized and comfortably accommodates a king-size bed, making it ideal for visiting family and friends. Additional updates include a 2024 shingle roof, an existing 2014 AC system with recently installed new ductwork, and new gutters around the home. With its exceptional lake views, versatile living spaces, and unique combination of indoor and outdoor amenities, this home offers a wonderful opportunity to enjoy the best of Florida living. Harbor Isles is a sought-after, land-owned, pet-friendly 55+ community in North Port, offering an impressive array of resort-style amenities and opportunities for an active social lifestyle. Residents enjoy a marina with Gulf access, a kayak launch, a heated swimming pool and spa, a fitness center, and a clubhouse filled with social activities. Tennis and pickleball courts, shuffleboard, and bocce provide plenty of ways to stay active and connect with neighbors. With its welcoming atmosphere, boating opportunities, and convenient North Port location, Harbor Isles is a wonderful place to call home.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,514
Sqft
0.11 ac
Lot size
1995
Year built
One
Levels
$125
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.
$1,874 /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
$1,874/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
+6.8%
$/sqft vs North Port actives
$125 vs $193
Days on market
7 vs 71 typical
Where $125/sqft sits among the 400 North Port 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 Harbor Isles
Get to know North Port. See the full North Port guide →
Harbor Isles — neighborhood snapshot
Population
646
Median age
73
Median income
$46,382
Median home value
$160,301
Avg household
1
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Port market
$315K → $312K
North Port median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
198 of 400
North Port actives have cut their price
Median sold price, North Port, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% above the NORTH PORT 34287 median. See the full North Port market guide →
Paper trail
This home's history
Reality check
What actually sold near 492 SCHOONER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$145,000
624 PORTSIDE DRIVE · same community
2 bd · 2 ba · 1,485 sqft · $98/sqft · 59 DOM
Sold · Aug ’26$185,000
608 PORTSIDE DRIVE · same community
3 bd · 2 ba · 1,480 sqft · $125/sqft · 36 DOM
Sold · Oct ’26$133,000
452 SHARKS POINT · same community
2 bd · 2 ba · 1,566 sqft · $85/sqft · 126 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 492 SCHOONER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 492 SCHOONER STREET — 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
492 SCHOONER STREET FAQs
What would the monthly payment be for 492 SCHOONER STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,874/mo — principal and interest, the actual property-tax bill, the $196/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 492 SCHOONER STREET?+
The association fee works out to $196 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 492 SCHOONER STREET?+
The most recent tax bill on record (2025) was $1,560. 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 492 SCHOONER STREET?+
The listing reports pets: Breed Restrictions, Number Limit, Size 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 North Port?+
At $189,900, this home is listed about 43% below the North Port median of $334,900. The market section on this page shows how the area is trending.
Which schools are assigned to 492 SCHOONER STREET?+
Glenallen Elementary School (elementary), Heron Creek Middle School (middle), North Port High School (high) — Sarasota 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
$189,900 runs 41% above the NORTH PORT 34287 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 7 days on market in a North Port market that averages 71 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Mindy Buckley. MLS #N6146378.
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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