David Ramirez
$329,0002 bd2 ba1,384 sqft$238 /sqft$2,807 /mo all-in ↓

1078 TOPELIS DRIVE, ENGLEWOOD, FL, 34223

Active60 days on marketListed Jun 5, 2026MLS #N6144556

Priced 15% below the ENGLEWOOD 34223 medianWaterfrontVillaOAK FOREST PH 2

About this home

1078 TOPELIS DRIVE

YOUR OASIS and MAGNIFICENT FLORIDA LIFESTYLE AWAITS in this RARELY AVAILABLE LAKEFRONT VILLA located only 4 miles from MANASOTA KEY OFFERING SEVERAL MAGNIFICENT BEACHES. You will truly be impressed with this STUNNING END UNIT VILLA with 2 BR/ 2 BA with a TWO CAR GARAGE and Flex Room , which could be utilized as either an additional Office Combo with Den Area, should you not wish a formal dining area. Located in the GATED, MAINTENANCE FREE and ACTIVE LIFESTYLE community of OAK FOREST, this Villa would make for the perfect SEASONAL OR YEAR ROUND RESIDENCE. OAK FOREST IS A VERY FRIENDLY, SOCIALLY ACTIVE and PET-FRIENDLY COMMUNITY with extremely low HOA fees of only $262 / month along with LOW TAXES, BASIC CABLE TV , TRASH & RECYCLING PICK UP , AND EXTERIOR LAWN CARE and IRRIGATION, included .. along with .. NO CDD FEES and NO FLOOD ZONE. As you enter this Villa, you will most certainly appreciate the STUNNING Garden and Beautiful FLOWERS. The Fenced and paved front patio area is the perfect area to relax, dine, entertain and enjoy the Florida SUNSHINE and outdoors all year round. This Beautiful VILLA has just been freshly painted on the exterior and also has a NEW TILE ROOF, HIGH CEILINGS, an OPEN FLOOR PLAN and stainless steel appliances. This home has been METICULOUSLY maintained and has TILE FLOORING in all of the Main Living Areas. The home has all NEWER APPLIANCES and a Newer AC ( 2019) . The very private and enclosed rear Florida Room with windows and screens is very private and overlooks the SPARKLING LAKE with the beautiful fountain. The Community amenities include: HEATED POOL, FITNESS ROOM, LIBRARY, TENNIS/PICKLEBALL COURTS, BOCCE BALL and a CLUBHOUSE with a full kitchen hosting an array of events all year long. Located ONLY 4 MILES FROM MANASOTA KEY AND THREE MAGNIFICANT BEACHES where you will be sure to relax and enjoy the MANY NEARBY WATERFRONT RESTAURANTS, ENTERTAINMENT VENUES, HISTORIC DEARBORN STREET, BOATING, FISHING, and even KAYAKING. Take a short drive to nearby BEAUTIFUL HISTORIC DOWNTOWN VENICE and enjoy even more FABULOUS BEACHES, RESTAURANTS, SHOPPING, THE VENICE THEATRE, THE VENICE PERFORMING ARTS CENTER, A WEEKLY FARMERS MARKET, and YEAR ROUND FESTIVALS, as well. THIS IS TRULY FLORIDA CARE FREE LIVING AT IT'S BEST ! A 4-POINT HOME INSPECTION HAS ALREADY BEEN DONE to ensure Total Peace of Mind. PLEASE SCHEDULE YOUR SHOWING TODAY .. BEFORE IT’S TOO LATE !!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,384

Sqft

0.09 ac

Lot size

2

Garage

2005

Year built

One

Levels

$238

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesWest
ExteriorIrrigation System · Private Mailbox · Rain Gutters · Sidewalk

Community & fees

HOA fee$261/mo
Taxes (2025)$3,639/yr
PetsCats OK, Yes
CommunityAssociation Recreation - Owned · Buyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

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

$2,807 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,937
FHA mortgage insurance (est.)$146
Property tax — 2025 actual bill$303
HOA fee — from the listing$261
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,515Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,515
Interest rate6.00%
Loan term

Estimated payment

$2,807/mo

Principal & interest$1,937
FHA mortgage insurance (est.)$146
Property taxes (actual bill)$303
HOA / condo fee$261
Est. insurance$160

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.

List $329K
$279KedgeAI estimate $296,707 · range $290K$315K$342K

vs edgeAI estimate

+10.9%

$/sqft vs Englewood actives

$238 vs $240

Days on market

60 vs 68 typical

Where $238/sqft sits among the 400 Englewood actives

174
107 · this home
63
17
10
29
$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 Oak Forest

Map of 1078 TOPELIS DRIVE inside its neighborhood boundary

Get to know Englewood. See the full Englewood guide →

Oak Forest — neighborhood snapshot

Population

924

Median age

74

Median income

$89,821

Median home value

$528,600

Avg household

2

Households w/ children

5%

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)

182 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 15% below the ENGLEWOOD 34223 median. See the full Englewood market guide →

Paper trail

This home's history

Jun 5, 2026Listed at $329,000 · 60 days on market since
2005Built · OAK FOREST PH 2

Reality check

What actually sold near 1078 TOPELIS DRIVE

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

1147 YOSEMITE DRIVESold · Mar ’26

$295,000

1147 YOSEMITE DRIVE · same community

2 bd · 2 ba · 1,384 sqft · $213/sqft · 0 DOM

1000 TOPELIS DRIVESold · May ’26

$280,000

1000 TOPELIS DRIVE · same community

2 bd · 2 ba · 1,385 sqft · $202/sqft · 5 DOM

1035 TOPELIS DRIVESold · Feb ’26

$300,000

1035 TOPELIS DRIVE · same community

2 bd · 2 ba · 1,385 sqft · $217/sqft · 12 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 1078 TOPELIS 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 1078 TOPELIS 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.

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Goes straight to David’s phone and CRM.

Straight answers

1078 TOPELIS DRIVE FAQs

What would the monthly payment be for 1078 TOPELIS DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,807/mo — principal and interest, the actual property-tax bill, the $261/mo association fee 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.

How much are the HOA fees at 1078 TOPELIS DRIVE?+

The association fee works out to $261 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1078 TOPELIS DRIVE?+

The most recent tax bill on record (2025) was $3,639. 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 1078 TOPELIS DRIVE?+

The listing reports pets: Cats OK, 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 $329,000, this home is listed about 10% below the Englewood median of $365,910. The market section on this page shows how the area is trending.

Which schools are assigned to 1078 TOPELIS 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

Three things that matter here

01Under the ENGLEWOOD 34223 market on paper

$329,000 is 15% below the ENGLEWOOD 34223 median of $386,250, and at $238/sqft it sits under the Englewood average of $313.

02Waterfront living

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

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 COLDWELL BANKER REALTY · Frank Koziel, PA. MLS #N6144556.

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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