280 W COWLES STREET, ENGLEWOOD, FL, 34223
Active69 days on marketListed Jun 3, 2026MLS #A4695852
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Thu, Aug 20
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About this home
280 W COWLES STREET
Discover a truly one-of-a-kind custom-built estate on a rare half-acre corner lot in the heart of Englewood. Designed and constructed by its original owner, this home combines timeless architecture, rustic charm, and exceptional functionality. The exterior is highlighted by a stunning original red metal roof that extends across both the main home and the adjacent workshop. Inside, beautiful hardwood floors flow throughout the living areas and bedrooms, while tile flooring accents the bathrooms and laundry room. Offering 3 bedrooms, 3 bathrooms, and over 3,000 square feet of living space, the home features a spacious great room with a striking two-sided elevated gas fireplace shared between the living room and kitchen. The kitchen showcases beadboard maple cabinetry, porcelain tile countertops, a center island, and a pass-through window to the expansive screened lanai. Outdoor living with a 600-square-foot screened porch complete with a built-in bar, gas grill, refrigerator, sink, and fire pit—perfect for entertaining while enjoying Gulf breezes. The spacious half-acre property also offers room for a pool, boat storage, and RV parking. The flexible second floor includes a bedroom, full bath, loft-style living area plumbed for a kitchenette or wet bar, bonus room, and a private sun deck, offering endless possibilities for guests, hobbies, or additional living space. Built for peace of mind with hurricane-impact windows and garage doors, a whole-house generator, 500-gallon propane tank, city water and sewer, and a deep well. Car enthusiasts and hobbyists will appreciate the massive 42' x 30' workshop/garage with room for multiple vehicles, high ceilings, additional storage, and abundant covered parking. Located in a low-traffic neighborhood where golf carts are welcome, you'll be just minutes from historic Dearborn Street, Lemon Bay, boat ramps, beaches, parks, shopping, dining, and community events. This exceptional property offers a rare combination of acreage, character, workspace, and Florida lifestyle living.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,016
Sqft
0.5 ac
Lot size
4
Garage
2006
Year built
Two
Levels
$230
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.
$4,479 /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
$4,479/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
−59.4%
$/sqft vs Englewood actives
$230 vs $240
Days on market
69 vs 71 typical
Where $230/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 → $340K
Englewood median sold, yr/yr
94.6%
Sale-to-list ratio (12 mo)
177 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 81% above the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 280 W COWLES STREET
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$589,000
1260 S MARYKNOLL ROAD
4 bd · 3 ba · 2,844 sqft · $207/sqft · 80 DOM
Sold · Dec ’25$1,300,000
5056 N BEACH ROAD UNIT 102
3 bd · 2.5 ba · 2,639 sqft · $493/sqft · 19 DOM
Sold · Feb ’26$1,750,000
4111 N BEACH ROAD
3 bd · 2.5 ba · 2,504 sqft · $699/sqft · 132 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 280 W COWLES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 280 W COWLES 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
280 W COWLES STREET FAQs
What would the monthly payment be for 280 W COWLES STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,479/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 280 W COWLES STREET?+
The most recent tax bill on record (2025) was $3,696. 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 280 W COWLES STREET?+
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 $695,000, this home is listed about 94% above the Englewood median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 280 W COWLES 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
Three things that matter here
01Positioned at the premium end
$695,000 runs 81% above the ENGLEWOOD 34223 median — but at 3,016 sqft it's also nearly twice the size of the typical Englewood listing.
02Strong 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.
03The price has already moved
Listed at $725,000, now $695,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING III · Brandi Furlan. MLS #A4695852.
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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