
2630 N BEACH ROAD, ENGLEWOOD, FL, 34223
Active94 days on marketListed Apr 30, 2026MLS #A4690960
About this home
2630 N BEACH ROAD
OWNER FINANCING AVAILABLE!! A rare and irreplaceable oceanfront estate offering an exceptional blend of refined coastal living and high-performing income potential. Situated on an expansive 0.63 acre oceanfront lot, zoned RMF 7.5 an acre, this private compound features two distinct residences and is currently operating as a successful luxury Airbnb retreat. Designed for both exclusivity and flexibility, the dual-residence layout is ideal for a private owner’s enclave, multi-generational living, or a premier short-term rental investment. With limited oceanfront properties offering this level of scale and versatility, opportunities like this are becoming increasingly scarce. Enjoy sweeping ocean views from the rooftop deck—perfect for sunset entertaining—while the private pool and spacious grounds create a resort-style setting for relaxation and guest enjoyment. The direct oceanfront setting delivers an unparalleled connection to the water and a true luxury lifestyle experience. The primary oceanfront residence presents a compelling value-add opportunity, finishing renovations are underway, and this allows a discerning buyer to fully customize finishes, design, and appointments to their exact vision. With completion, the property is well-positioned to command a significantly higher market value in line with other fully renovated luxury oceanfront estates, offering meaningful upside potential for both end-users and investors. Located just moments from restaurants, shopping, and the main beach, this is a rare chance to secure a premier beachfront compound with both immediate income, and long-term appreciation potential. Take a short stroll through the sand to the vibrant turquoise teal ocean, and feel the serenity. Offers rental flexibility as short term rentals are permitted.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,178
Sqft
0.64 ac
Lot size
1952
Year built
One
Levels
$3,650
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.
$26,202 /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
$26,202/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.
vs edgeAI estimate
+601.5%
$/sqft vs Englewood actives
$3,650 vs $240
Days on market
94 vs 59 typical
Where $3,650/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 34223 — neighborhood snapshot
Population
19,036
Median age
67.6
Median income
$70,155
Median home value
$358,000
Avg household
1.89
Households w/ children
693
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
$320K → $333K
Englewood median sold, yr/yr
94.5%
Sale-to-list ratio (12 mo)
182 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 1004% above the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 2630 N BEACH ROAD
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$800,000
50 FRIENDSHIP LANE
2 bd · 1.5 ba · 1,210 sqft · $661/sqft · 9 DOM
Sold · May ’26$380,000
1591 BEACH ROAD UNIT 202
2 bd · 2 ba · 1,220 sqft · $311/sqft · 75 DOM
Sold · Mar ’26$603,000
40 SAND DOLLAR LANE
2 bd · 2 ba · 1,222 sqft · $493/sqft · 18 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 2630 N BEACH ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2630 N BEACH ROAD — 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
2630 N BEACH ROAD FAQs
What would the monthly payment be for 2630 N BEACH ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $26,202/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 2630 N BEACH ROAD?+
The most recent tax bill on record (2025) was $14,724. 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 $4,300,000, this home is listed about 1064% above the Englewood median of $369,302. The market section on this page shows how the area is trending.
Which schools are assigned to 2630 N BEACH ROAD?+
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
01Positioned at the premium end
$4,300,000 runs 1004% above the ENGLEWOOD 34223 median.
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 FINE PROPERTIES · Neil Witts. MLS #A4690960.
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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