8407 OAK JAY LANE, ENGLEWOOD, FL, 34224
Active123 days on marketListed Apr 1, 2026MLS #A4686736
About this home
8407 OAK JAY LANE
Short Sale. 2-bedroom, 2-bath home ideally situated on a peaceful pond in the highly sought-after gated community of Oyster Creek. Enter through the screened foyer and enjoy direct views through the great room and lanai to the water beyond. The home features volume ceilings and two sets of triple sliding glass doors that open to a spacious screened lanai—perfect for relaxing and taking in the surrounding wildlife. The primary suite offers a large walk-in closet and a walk-in shower. The kitchen provides ample cabinet and counter space, along with a convenient breakfast bar. Located within walking distance to the clubhouse, pool and spa, fitness center, library, bocce ball, and tennis courts. Just minutes to shopping, dining, and the beach. This property presents a great opportunity for a buyer to update and customize to their own taste.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,393
Sqft
0.15 ac
Lot size
2
Garage
1993
Year built
One
Levels
$172
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.
$2,244 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,244/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.
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
−20.8%
$/sqft vs Englewood actives
$172 vs $240
Days on market
123 vs 59 typical
Where $172/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 34224 — neighborhood snapshot
Population
15,971
Median age
63.6
Median income
$56,862
Median home value
$262,200
Avg household
2.02
Households w/ children
795
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
$320K → $333K
Englewood median sold, yr/yr
94.5%
Sale-to-list ratio (12 mo)
180 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 170% above the ENGLEWOOD 34224 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 8407 OAK JAY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$309,000
8358 PONDVIEW LANE · same community
2 bd · 2 ba · 1,386 sqft · $223/sqft · 67 DOM
Sold · May ’26$300,000
8479 CREEKVIEW LANE · same community
2 bd · 2 ba · 1,411 sqft · $213/sqft · 71 DOM
Sold · Mar ’26$282,500
8382 CREEKVIEW LANE · same community
2 bd · 2 ba · 1,598 sqft · $177/sqft · 232 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 8407 OAK JAY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8407 OAK JAY LANE — 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
8407 OAK JAY LANE FAQs
What would the monthly payment be for 8407 OAK JAY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,244/mo — principal and interest, the actual property-tax bill, the $174/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 8407 OAK JAY LANE?+
The association fee works out to $174 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8407 OAK JAY LANE?+
The most recent tax bill on record (2025) was $4,696. 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 8407 OAK JAY LANE?+
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 $240,000, this home is listed about 35% below the Englewood median of $369,302. The market section on this page shows how the area is trending.
Which schools are assigned to 8407 OAK JAY LANE?+
Lemon Bay High School (high), L. A. Ainger Middle School (middle), Vineland Elementary School (elementary) — Charlotte 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
$240,000 runs 170% above the ENGLEWOOD 34224 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
123 days on market against a Englewood median of 59 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lemon Bay High School, L. A. Ainger Middle School, Vineland Elementary School — Vineland Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $284,000, now $240,000 — a $44K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP MVP · Troy Funk. MLS #A4686736.
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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