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$490,000

1040 Bay Harbor Drive

Englewood, FL 34224

Listing updated: September 20, 2026 at 10:06 AM ET

Active

Listing courtesy of Schiff Realty, Inc. · Eden Cohen · MLS #C7530736 · Active · 239-540-0061

Beds

Baths

2,337

Sq Ft

0.32

Acres

1993

Built

◆Private pool◆$210/sqft◆360° tour

Single Family Residence

Property type

1993

Year built

13,965 sqft

Lot size

$210

Price / sq ft

No HOA

HOA dues

Days on market

Garage spaces

Flood zone

About this home

Welcome to 1040 Bay Harbor Drive, where the Florida lifestyle meets space, comfort, and an incredible Englewood location! Located in desirable Bay Harbor Estates and just approximately 3.5 miles from Englewood Beach, this spacious pool home offers over 2,300 square feet of living space on a generous lot. The home features a split-bedroom floor plan with two primary suites, vaulted ceilings, multiple living and entertaining areas, and an updated kitchen with stainless steel appliances. Step outside to your private pool and outdoor living area — perfect for enjoying Florida sunshine, entertaining family and friends, or simply relaxing at home. Whether you’re looking for a full-time Florida residence, seasonal home, or investment opportunity, 1040 Bay Harbor Drive offers space, location, and Florida living all in one. Schedule your private showing today!

Estimated monthly payment

Principal & interest$2,478

Property taxes$386

Home insurance (est.)$225

Down payment

20%

$98,000 downRate

6.5%

Term

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 history3 days on market

Status: Active
Sep 17, 2026
Listed$490,000
Sep 17, 2026
Price increased$490,000

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 3
Subdivision: Bay Harbor Estate
County: Charlotte
Year built: 1993
Living area: 2,337 sq ft
Price/sq ft: $210
Building area: 3,193 sq ft (Public Records)
Lot size: 13,965 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: AE
Garage: 2 spaces
Pool: Private pool
Annual taxes: $4,637 (2024)
Parcel #: 412008130014
Zoning: RSF3.5
MLS #: C7530736

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Interior Details

Bedrooms: 4
Full bathrooms: 3
Flooring: Ceramic Tile, Wood
Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
Interior features: Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Split Bedroom, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
Laundry: Inside
Stories / Levels: One
Direction faces: South

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

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

Exterior & Construction

Exterior features: Rain Gutters
Construction materials: Block
Roof: Shingle
Foundation: Slab
Pool: Private pool
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Electricity Connected

Schools

ElementaryEnglewood ElementaryGreatSchools ↗

MiddleL.A. Ainger MiddleGreatSchools ↗

High SchoolLemon Bay HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Bedroom 2	First	11x12
Bedroom 3	First	11x13
Bedroom 4	First	12x15
Dining Room	First	11x12
Family Room	First	14x20
Kitchen	First	22x21
Living Room	First	12x16
Primary Bathroom	First
Primary Bedroom	First	12x20
Utility Room	First	10x5

Listing Details

Listing date: 2026-09-14
On market date: 2026-09-17
Original list price: $490,000
Occupant type: Tenant
MLS area: 34224 - Englewood
Listing AOR: Port Charlotte
Status changed: 2026-09-17
Tax legal description: BHE 000 0000 0038 BAY HARBOR EST LT 38 731/636 798/857 919/573 920/1731 DC1093/1036(EDC) 1093/1037 1262/1694&96 1991/839 2368/2090 3599/568 3954/2188 3366383

Flood risk

High riskFEMA Zone AE

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 SR-776, head south and turn right onto Edison Drive near Mama’s Italian Restaurant. Turn left onto Bay Harbor Drive and continue to 1040 Bay Harbor Drive. The property will be on the right.

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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 September 20, 2026 at 10:06 AM 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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