David Ramirez
$2,300,000$2,399,0004 bd3 ba3,214 sqft$716 /sqft$14,537 /mo all-in ↓

1089 BAYSHORE DRIVE, ENGLEWOOD, FL, 34223

Active230 days on marketListed Dec 16, 2025MLS #N6141853

Reduced $99KWaterfrontPrivate poolFully furnishedSingle Family ResidenceENGLEWOOD GARDENS

About this home

1089 BAYSHORE DRIVE

Waterfront Legacy Estate on 1.57 Acres with Dock, Bay Views & Income Potential An extraordinary waterfront sanctuary spanning 1.57 acres with more than 200 feet of pristine Bay frontage, this exceptional estate commands breathtaking views across Lemon Bay and offers a rare blend of privacy, elegance, lifestyle and long-term opportunity. Arrive through a gated entrance and sweeping circular drive to discover a secluded coastal retreat framed by mature, thoughtfully curated landscaping. Fully furnished and impeccably presented, the residence is designed for effortless waterfront living — whether hosting family gatherings, welcoming guests arriving by boat, or enjoying quiet mornings watching the water awaken from your private balcony. Inside, soaring 23-foot floor-to-ceiling windows create a dramatic sense of scale while perfectly capturing the shimmering Bay beyond. The open-concept great room flows seamlessly into the gourmet kitchen and refined dining space, ideal for entertaining on any scale. The chef’s kitchen is a showpiece, featuring brand-new premium appliances including double wall ovens, a warming drawer, wine cooler, French-style refrigerator, granite-adorned center island and bespoke finishes throughout. Four beautifully appointed bedrooms and three luxurious bathrooms include a serene primary suite with its own private water-view balcony — a peaceful haven overlooking the Bay. Outdoor living is equally compelling. Expansive decks spill toward the resort-style pool, newly upgraded equipment and sun-soaked entertaining zones creating a seamless indoor-outdoor experience. A brand-new metal roof provides both architectural finish and long-term peace of mind. At the water’s edge, a newly constructed private dock offers direct Bay access — perfect for cruising Lemon Bay, kayaking at sunrise, or welcoming friends arriving by boat for sunset drinks beside the pool. The lower level features walk-out access to the pool terrace along with a convenient laundry and pool bath, making entertaining and waterfront living completely effortless. A Rare Opportunity for Future Growth & Income Beyond its immediate lifestyle appeal, the expansive acreage presents outstanding potential for long-term wealth creation. The generous grounds invite consideration for a guest residence, subdivision or luxury retreat accommodation — opening the door to Airbnb income streams or multigenerational living in a premier waterfront setting (subject to local approvals). Optional membership to the Englewood Gardens Beach Club further elevates the offering, granting access to a private beachfront clubhouse, gazebo with gas grills, Bayfront kayak launch, storage facilities and complimentary beach parking. From sun-drenched afternoons by the pool to evening cruises across the Bay, every detail of this property has been designed to inspire tranquility, prosperity and lasting memories. This is more than a home. It is a waterfront legacy — a place where lifestyle, luxury and long-term vision converge.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,214

Sqft

1.57 ac

Lot size

2

Garage

1979

Year built

Three Or More

Levels

$716

Per sqft

Private poolWaterfrontWater viewFurnished

Inside

FlooringCeramic Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Dryer · Refrigerator · Wine Refrigerator
InteriorDry Bar · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Stone Counters · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationSlab
ViewWater
FacesNortheast
ExteriorBalcony · Lighting · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$13,245/yr

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Water Available · 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.

$14,537 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,411
PMI (est., until 20% equity)$863
Property tax — 2024 actual bill$1,104
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $230,000Loan30-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% · $230,000
Interest rate6.00%
Loan term

Estimated payment

$14,537/mo

Principal & interest$12,411
PMI (est., until 20% equity)$863
Property taxes (actual bill)$1,104
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 $2.3M
$661KedgeAI estimate $1,092,253 · range $688K$1.3M$2.4M

vs edgeAI estimate

+110.6%

$/sqft vs Englewood actives

$716 vs $240

Days on market

230 vs 67 typical

Where $716/sqft sits among the 400 Englewood actives

174
108
63
16
10
29 · this home
$115–222$222–328$328–435$435–541$541–648$648+

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 Gardens North

Map of 1089 BAYSHORE DRIVE inside its neighborhood boundary

Get to know Englewood. See the full Englewood guide →

Englewood Gardens North — neighborhood snapshot

Population

706

Median age

65

Median income

$80,620

Median home value

$452,430

Avg household

2

Households w/ children

22%

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 seller3.5 months of inventoryBuyer’s market

$330K$330K

Englewood median sold, yr/yr

94.6%

Sale-to-list ratio (12 mo)

180 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 494% above the ENGLEWOOD 34223 median. See the full Englewood market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,300,000 $99K
Dec 16, 2025Listed at $2,399,000 · 230 days on market since
1979Built · ENGLEWOOD GARDENS

Reality check

What actually sold near 1089 BAYSHORE DRIVE

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

1070 BAYSHORE DRIVESold · Nov ’25

$1,055,000

1070 BAYSHORE DRIVE · same community

5 bd · 3 ba · 3,363 sqft · $314/sqft · 25 DOM

1080 BAYSHORE DRIVESold · Nov ’25

$865,000

1080 BAYSHORE DRIVE · same community

3 bd · 2 ba · 2,634 sqft · $328/sqft · 11 DOM

1981 BAYSHORE DRIVESold · Jul ’26

$1,050,000

1981 BAYSHORE DRIVE · same community

4 bd · 2.5 ba · 2,566 sqft · $409/sqft · 55 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 1089 BAYSHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1089 BAYSHORE DRIVE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

1089 BAYSHORE DRIVE FAQs

What would the monthly payment be for 1089 BAYSHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,537/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 1089 BAYSHORE DRIVE?+

The most recent tax bill on record (2024) was $13,245. 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 $2,300,000, this home is listed about 530% above the Englewood median of $365,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1089 BAYSHORE DRIVE?+

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

Five things that matter here

01Positioned at the premium end

$2,300,000 runs 494% above the ENGLEWOOD 34223 median — but at 3,214 sqft it's also nearly twice the size of the typical Englewood listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

230 days on market against a Englewood median of 67 — sellers in this position are usually ready to negotiate.

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.

05The price has already moved

Listed at $2,399,000, now $2,300,000 — a $99K cut. The full history is in the market section below.

Listing courtesy of PREFERRED PROPERTIES OF VENICE INC · Justyna Obiedzinski. MLS #N6141853.

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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