4055 BAY OAKS CIRCLE, ENGLEWOOD, FL, 34223
Active6 days on marketListed Jul 28, 2026MLS #A4701300
About this home
4055 BAY OAKS CIRCLE
Exceptional investment opportunity on highly sought after Manasota Key offering the rare combination of deeded Gulf beach access just steps away and dock space on the bay side, creating the perfect setting for a remarkable coastal retreat. Situated on a desirable corner lot at 4055 Bay Oaks Circle, this property presents an outstanding opportunity to renovate or redevelop in one of Southwest Florida's most sought after beach communities. The original floor plan featured three bedrooms and two bathrooms in the main residence, along with a private in law suite complete with an additional bedroom and full bathroom, providing incredible flexibility for a redesigned layout that appeals to primary homeowners, seasonal residents, or investors seeking income potential. Designed for the Florida lifestyle, the outdoor living area included a saltwater pool, spacious lanai, and generous entertaining space, all ready to be reimagined into a stunning tropical oasis. The home sustained hurricane damage and has not been repaired, creating an exceptional opportunity for buyers with vision to restore or redevelop the property. Whether transformed into a luxury coastal residence, a seasonal getaway, or an investment property subject to local regulations, the possibilities are extensive. With deeded beach access, bay dockage, a prime corner lot, and an unbeatable Manasota Key location, opportunities like this are becoming increasingly rare. Bring your vision and unlock the full potential of this unique coastal property.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,038
Sqft
0.38 ac
Lot size
1973
Year built
One
Levels
$442
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.
$6,635 /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
$6,635/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
$442 vs $240
Days on market
6 vs 59 typical
Where $442/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)
181 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 132% above the ENGLEWOOD 34223 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 4055 BAY OAKS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$620,000
4000 BAY OAKS CIRCLE · same community
2 bd · 2 ba · 1,568 sqft · $395/sqft · 107 DOM
Sold · Apr ’26$815,000
4065 N BEACH ROAD UNIT A · same community
2 bd · 2 ba · 1,118 sqft · $729/sqft · 84 DOM
Sold · Sep ’25$550,000
202 SOUTH DRIVE
3 bd · 3 ba · 2,028 sqft · $271/sqft · 99 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 4055 BAY OAKS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4055 BAY OAKS CIRCLE — 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
4055 BAY OAKS CIRCLE FAQs
What would the monthly payment be for 4055 BAY OAKS CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,635/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 4055 BAY OAKS CIRCLE?+
The most recent tax bill on record (2025) was $15,368. 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 4055 BAY OAKS CIRCLE?+
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 $900,000, this home is listed about 144% above the Englewood median of $369,302. The market section on this page shows how the area is trending.
Which schools are assigned to 4055 BAY OAKS CIRCLE?+
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
Four things that matter here
01Positioned at the premium end
$900,000 runs 132% above the ENGLEWOOD 34223 median — but at 2,038 sqft it's also 37% larger than the typical Englewood listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Englewood market that averages 59 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of JOHN R. WOOD PROPERTIES · Steven Torres. MLS #A4701300.
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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