820 N ELM STREET, ENGLEWOOD, FL, 34223
Active160 days on marketListed Feb 27, 2026MLS #A4684053
About this home
820 N ELM STREET
Seller is motivated and has priced the property to reflect current market conditions. All reasonable offers will be considered. 3 PRIVATE ACRES in the Heart of Town! Now Offered with a $200,000 Price Improvement! Rarely does a property offer this much privacy, space, and versatility while being just minutes from everything Englewood has to offer. Nestled on over 3 beautifully wooded acres, this nearly 4,000-square-foot, 5-bedroom, 4-bath estate combines natural Florida beauty with exceptional flexibility for today's lifestyle. CITY WATER AND SEWER! Surrounded by mature trees and lush landscaping, this private retreat offers the perfect balance of peaceful seclusion and everyday convenience. Whether you're looking for a family estate, multigenerational living, a home business, or simply room to spread out, this property delivers endless possibilities. Outdoor living is designed for entertaining and relaxation with a covered outdoor kitchen, expansive deck and patio, multiple balconies, and plenty of space to enjoy your own private oasis. Inside, soaring ceilings create an open and inviting atmosphere. The spacious living room features a cozy wood-burning fireplace, while the oversized primary suite offers its own fireplace, creating a relaxing retreat at the end of the day. With five generously sized bedrooms OR multiple flexible living areas, there's space for a home office, fitness room, media room, playroom, hobby space, or guest accommodations. The expansive acreage offers incredible versatility with ample room for boats, RVs, trailers, work trucks, recreational vehicles, and business equipment. Storage sheds provide additional convenience, making this an ideal property for hobbyists, entrepreneurs, or anyone who appreciates extra space. Located just minutes from Gulf beaches, public boat ramps, world-class fishing, golf courses, shopping, dining, and the charm of historic Dearborn Street, you'll enjoy everything that makes Florida's Gulf Coast lifestyle so desirable. Properties offering over 3 private acres with city water and sewer in such a convenient location are exceptionally rare. If you've been searching for privacy, flexibility, and room to live, work, and play without sacrificing proximity to town, this exceptional property is one you won't want to miss. Schedule your private showings today!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,390
Sqft
3.15 ac
Lot size
1971
Year built
Two
Levels
$339
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 — not generic estimates.
$7,054 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$7,054/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.
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.
$/sqft vs Englewood actives
$339 vs $238
Days on market
160 vs 67 typical
Where $339/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 Old Englewood Village
Get to know Englewood. See the full Englewood guide →
Old Englewood Village — neighborhood snapshot
Population
3,260
Median age
64
Median income
$60,523
Median home value
$320,216
Avg household
2
Households w/ children
124
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
$330K → $330K
Englewood median sold, yr/yr
94.6%
Sale-to-list ratio (12 mo)
178 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 196% above the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 820 N ELM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$540,000
850 VAN GOGH ROAD · same community
3 bd · 2.5 ba · 2,180 sqft · $248/sqft · 449 DOM
Sold · Feb ’26$530,000
840 VAN GOGH ROAD · same community
3 bd · 2 ba · 2,089 sqft · $254/sqft · 41 DOM
Sold · Mar ’26$425,000
561 VIRIDIAN STREET · same community
3 bd · 2 ba · 1,758 sqft · $242/sqft · 78 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 820 N ELM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 820 N ELM STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
820 N ELM STREET FAQs
What would the monthly payment be for 820 N ELM STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,054/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 820 N ELM STREET?+
The most recent tax bill on record (2025) was $3,083. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Englewood?+
At $1,150,000, this home is listed about 214% above the Englewood median of $365,910. The market section on this page shows how the area is trending.
Which schools are assigned to 820 N ELM STREET?+
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
Five things that matter here
01Positioned at the premium end
$1,150,000 runs 196% above the ENGLEWOOD 34223 median — but at 3,390 sqft it's also nearly twice the size of the typical Englewood listing.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
160 days on market against a Englewood median of 67 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $1,200,000, now $1,150,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT KING REALTY · Patrice Davis. MLS #A4684053.
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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