1087 BAY HARBOR DRIVE, ENGLEWOOD, FL, 34224
Active31 days on marketListed Jul 2, 2026MLS #C7527754
About this home
1087 BAY HARBOR DRIVE
Discover the perfect blend of comfort, flexibility, and outdoor living in this beautifully maintained 2,229-square-foot home featuring 3 bedrooms, 2 bathrooms, and thoughtfully designed living spaces. In addition to the spacious floor plan, you'll find a versatile flex room, a bonus room off the primary suite, and a separate wet bar complete with additional cabinetry, countertop space, and a sink—perfect for entertaining or creating your own coffee and beverage station. Step outside to your own private retreat, where a screened lanai encloses a sparkling in-ground saltwater pool with an attached hot tub, creating the perfect setting for year-round enjoyment. Within the lanai, a covered patio provides a shaded space for outdoor dining, entertaining, or simply relaxing. For added peace of mind, the pool is equipped with a removable child safety fence that conveys with the property, allowing it to be easily installed or removed as your needs change. Beyond the pool enclosure, the spacious backyard offers plenty of room to personalize the outdoor space and includes an RV hook up, fire-pit, a convenient storage shed as well as an uncovered porch. Newly installed privacy fencing on both sides of the property enhances the sense of seclusion, while the backyard backs to Oyster Creek Environmental Park, offering a peaceful backdrop of mature trees, natural Florida beauty, and no rear neighbors. This home is also equips with hurricane shutters for more peace of mind during hurricane season. Whether you're hosting family and friends or enjoying a quiet evening at home, this property combines versatile living spaces, exceptional outdoor amenities, and a serene setting to truly embrace the Florida lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,229
Sqft
0.34 ac
Lot size
2
Garage
1988
Year built
One
Levels
$238
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.
$4,095 /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
$4,095/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
−30.6%
$/sqft vs Englewood actives
$238 vs $240
Days on market
31 vs 59 typical
Where $238/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)
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 495% above the ENGLEWOOD 34224 median. See the full Englewood market guide →
Paper trail
This home's history
Reality check
What actually sold near 1087 BAY HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$360,000
1041 SCHOONER LANE · same community
3 bd · 2 ba · 1,778 sqft · $202/sqft · 55 DOM
Sold · Sep ’25$645,000
2091 MARLIN WAY · same community
5 bd · 3.5 ba · 3,462 sqft · $186/sqft · 345 DOM
Sold · Mar ’26$650,000
1925 MISSISSIPPI AVENUE
3 bd · 3 ba · 2,239 sqft · $290/sqft · 208 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 1087 BAY HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1087 BAY HARBOR DRIVE — 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
1087 BAY HARBOR DRIVE FAQs
What would the monthly payment be for 1087 BAY HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,095/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 1087 BAY HARBOR DRIVE?+
The most recent tax bill on record (2025) was $6,977. 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 $529,900, this home is listed about 43% above the Englewood median of $369,302. The market section on this page shows how the area is trending.
Which schools are assigned to 1087 BAY HARBOR DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$529,900 runs 495% above the ENGLEWOOD 34224 median — but at 2,229 sqft it's also 50% 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.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Ashley Davis. MLS #C7527754.
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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