David Ramirez
$649,9993 bd2.5 ba2,028 sqft$321 /sqft$4,142 /mo all-in ↓

652 N ELM STREET, ENGLEWOOD, FL, 34223

Active12 days on marketListed Jul 24, 2026MLS #C7528410

Private poolSingle Family ResidenceHIGHLAND PINES

About this home

652 N ELM STREET

Beautifully maintained and move-in ready, this custom 3-bedroom, 2.5-bath home offers the perfect blend of comfort, privacy, and exceptional craftsmanship. Situated on a spacious ¼-acre lot with an additional included building lot, this property provides extra space and endless possibilities. Located in a non-flood zone with no HOA or deed restrictions, you'll enjoy the freedom to make the most of your property, with plenty of room to park your RV, boat, trailer, or other recreational vehicles without the typical community restrictions or fees. A 2-car garage with a new garage door and keypad is complemented by a detached, air-conditioned workshop/storage building with electricity, making it ideal for hobbies, projects, or additional storage. The fully fenced yard is perfect for pets, while the home is set approximately 250 feet from the road, creating a peaceful and private setting. Step inside to an inviting open floor plan designed for both everyday living and entertaining. The living room features a tray ceiling with accent lighting and a unique glow-in-the-dark constellation design, while custom Tuscan-inspired murals by renowned local artist Chris Long add warmth, charm, and one-of-a-kind character throughout the home. The beautifully appointed kitchen showcases granite countertops, custom wood cabinetry, a breakfast bar, new stainless-steel appliances, and abundant cabinet space. It flows seamlessly into the dining area and spacious great room, where a painted tray ceiling, illuminated display shelving, and a built-in china cabinet create an elegant gathering space for family and friends. French doors lead to your own private outdoor retreat featuring a solar-heated, screened pool, relaxing whirlpool spa, and a stunning hand-painted seascape mural that enhances the tropical ambiance. The lanai also provides direct access to the fenced backyard and includes two convenient doggie doors. The spacious primary suite offers two walk-in closets, a comfortable sitting area, and French doors opening directly to the pool. The luxurious en-suite bath features a new granite-topped dual vanity with vessel sinks, a whirlpool soaking tub, a walk-in shower with a built-in bench, and an etched glass window that provides natural light while maintaining privacy. A separate guest suite with its own private entrance includes a bedroom, sitting room, and full bath, making it ideal for guests, extended family, a home office, or even a potential income-producing rental. The suite also features its own Nest thermostat for personalized comfort. Additional features include plantation shutters, rich wood flooring, crown molding, tray ceilings with accent lighting, a spacious laundry room with a new washer and dryer, a deep utility sink, and abundant storage throughout. Recent updates include a new roof installed in 2022, a $70,000 paid-off solar panel system that keeps electric bills averaging approximately $40 per month, a new HVAC system installed in 2021, a water heater replaced in 2022, a new pool heater, a new garage door with keypad,portable generator, and new stainless steel kitchen appliances. Combining custom craftsmanship, artistic details, energy-efficient upgrades, and an exceptionally private setting, this one-of-a-kind property offers an incredible opportunity to enjoy the very best of Florida living. **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,028

Sqft

0.58 ac

Lot size

2

Garage

2006

Year built

One

Levels

$321

Per sqft

Private poolPool viewNegotiablePets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Solar Hot Water Owned · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Coffered Ceiling(s) · Crown Molding · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Tray Ceiling(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric · Zoned
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool
FacesEast
ParkingBoat · Driveway · Ground Level · Off Street · Oversized · RV Parking
ExteriorFrench Doors · Hurricane Shutters · Lighting · Rain Gutters · Sidewalk · Storage

Community & fees

Taxes (2025)$2,766/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Public · Sewer Connected · Solar · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,142 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2025 actual bill$230
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $65,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $65,000
Interest rate6.00%
Loan term

Estimated payment

$4,142/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$230
Est. insurance$160

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.

List $650K
$624KedgeAI estimate $798,395 · range $773K$808K$841K

vs edgeAI estimate

−18.6%

$/sqft vs Englewood actives

$321 vs $239

Days on market

12 vs 68 typical

Where $321/sqft sits among the 400 Englewood actives

170
109 · this home
62
18
13
28
$115–221$221–327$327–433$433–539$539–645$645+

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

Map of 652 N ELM STREET inside its neighborhood boundary

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

ElementaryEnglewood Elementary School★★★★
HighLemon Bay High School★★★★★
MiddleL. A. Ainger Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Englewood market

Seller’s marketLeans seller3.4 months of inventoryBuyer’s market

$330K$330K

Englewood median sold, yr/yr

94.6%

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 67% above the ENGLEWOOD 34223 median. See the full Englewood market guide →

Paper trail

This home's history

Jul 24, 2026Listed at $649,999 · 12 days on market since
2006Built · HIGHLAND PINES

Reality check

What actually sold near 652 N ELM STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3300 WINTON AVENUESold · Sep ’25

$355,000

3300 WINTON AVENUE · same community

5 bd · 3 ba · 2,050 sqft · $173/sqft · 4 DOM

838 HIGHLAND STREETSold · Mar ’26

$599,000

838 HIGHLAND STREET · same community

3 bd · 2 ba · 1,366 sqft · $439/sqft · 2 DOM

916 HIGHLAND STREETSold · Jul ’26

$1,000,000

916 HIGHLAND STREET · same community

5 bd · 4 ba · 2,852 sqft · $351/sqft · 144 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 652 N ELM STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 652 N ELM 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

652 N ELM STREET FAQs

What would the monthly payment be for 652 N ELM STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,142/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 652 N ELM STREET?+

The most recent tax bill on record (2025) was $2,766. 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 652 N ELM 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 $649,999, this home is listed about 79% above the Englewood median of $362,500. The market section on this page shows how the area is trending.

Which schools are assigned to 652 N ELM 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

$649,999 runs 67% above the ENGLEWOOD 34223 median — but at 2,028 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.

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.

Listing courtesy of MARINA PARK REALTY LLC · Joseph Kahn. MLS #C7528410.

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.

Never miss a listing

New Englewood homes, in your inbox

Like 652 N ELM STREET but not quite? A daily digest of every new listing in Englewood — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 5, 2026 at 11:52 PM UTC. The listing information on this page last changed on August 5, 2026 at 11:52 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 5, 2026 at 11:52 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 5, 2026 at 11:52 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.