2186 Oyster Creek Drive, FL

$499,900

2186 Oyster Creek Drive

Englewood, FL 34224

Active
3
Beds
2
Baths
1,382
Sq Ft
0.25
Acres
1961
Built
WaterfrontWater accessPrivate pool$362/sqft360° tour
Single Family Residence

Property type

1961

Year built

10,800 sqft

Lot size

$362

Price / sq ft

No HOA

HOA dues

89

Days on market

2

Garage spaces

AE

Flood zone

About this home

Enjoy waterfront living in this renovated 3-bedroom, 2-bath fully furnished waterfront home on Oyster Creek with quick boating access—approximately 10 minutes—to the Intracoastal Waterway and Gulf via Stump Pass. Some of the many upgrades include a metal roof, covered 10,000-lb boat lift with remote, 36' composite dock with water and electric, floating dock for jet boat/skis, heated saltwater pool with beautiful paver deck, storm shutters, updated electric service, and high-efficiency ductless A/C systems. The updated kitchen offers an open breakfast bar, exposed beam ceiling, and flows to the dining area. A separate utility room includes a full bath with tile floors, walk-in shower, and front-load washer and dryer. French doors from the living room open to a screened lanai with a covered patio area overlooking the pool and Oyster Creek. Enjoy frequent wildlife views and fishing directly from the dock. Additional features include low-maintenance landscaping with sprinkler system, brick paver walkways and an oversized garage for storage or recreational gear. Just minutes from beaches, shopping, dining, and Dearborn Street events. There is a community boat ramp available for a small annual fee, and a public ramp less than 1.5 miles away. The home has been well maintained and thoughtfully updated throughout. See firsthand what makes this property special.

Estimated monthly payment

Principal & interest$2,528
Property taxes$635
Home insurance (est.)$229

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history89 days on market

  1. Status: Active
    Apr 22, 2026
  2. Listed$545,900
    Feb 19, 2026
  3. Price reduced$499,900

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
89
Subdivision
Grove City Terrace
County
Charlotte
Year built
1961
Living area
1,382 sq ft
Price/sq ft
$362
Building area
2,386 sq ft (Public Records)
Lot size
10,800 sq ft
Lot category
1/4 to less than 1/2
Flood zone
AE (12015C0187F)
Garage
2 spaces
Pool
Private pool
Annual taxes
$7,620 (2025)
Parcel #
412008429005
Zoning
RSF5
MLS #
D6146220

Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Concrete, Terrazzo, Tile
Appliances
Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Interior features
Open Floorplan, Solid Wood Cabinets, Split Bedroom
Laundry
Inside, Laundry Closet
Stories / Levels
One
Direction faces
Northwest

Heating & Cooling

Heating
Electric, Ductless, Zoned
Cooling
Mini-Split Unit(s), Zoned

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Garage Door Opener, Oversized

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
French Doors, Lighting, Rain Barrel/Cistern(s), Rain Gutters
Construction materials
Block
Roof
Metal
Foundation
Slab
Pool
Private pool
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt, Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Public, Sewer Connected, Underground Utilities

Community

Pets allowed
Yes

Room Details

RoomLevelDimensions
KitchenFirst12x20
Primary BedroomFirst12x14
Bedroom 2First12x13
Bedroom 3First11x11
Bathroom 1First8x7
Bathroom 2First12x9
Living RoomFirst15x17
Dining RoomFirst8x13

Listing Details

Listing date
2026-02-19
On market date
2026-02-19
Original list price
$545,900
Occupant type
Vacant
MLS area
34224 - Englewood
Listing AOR
Englewood
Status changed
2026-04-22
Tax legal description
GCT 003 0000 0086 GROVE CITY TERRACE UN 3 LT 86 85/420 DC621/950 748/1680 PR05-2138-RL PR09-888 3401/2197 3401/2198 LOA3414/188 3489/1100 4069/1557

Flood risk

High riskFEMA Zone AEPanel 12015C0187F

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From Placida Rd, turn east onto Georgia Ave and go 0.4 miles. When road veers hard left, home will be on right.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 2, 2026 at 2:00 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA