$485,000
Active1040 Bay Harbor Dr, Englewood, FL 34224
4 beds · 3 baths · 2,337 sq ft
Listing courtesy of SCHIFF REALTY, INC. · MLS# C7530736
41 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
*DON’T MISS OUT ON THIS BEAUTIFUL BAY HARBOR ESTATE POOL HOME, OFFERED AT AN EXCEPTIONAL PRICE!* Located in the highly desirable Bay Harbor Estates community, this spacious *4-bedroom, 3-bathroom, 2-car garage home offers over 2,337 square feet of living space*, a beautiful layout, and the perfect combination of comfort, elegance, and Florida living! From the moment you arrive, you’ll appreciate the *lush tropical landscaping, impressive double-door entry, soaring vaulted ceilings, and spacious interior* designed for both everyday living and entertaining. The beautifully appointed kitchen features *granite countertops, wood cabinetry, stainless steel appliances, a pantry, and a charming breakfast nook*. *ENJOY THE FLORIDA LIFESTYLE AT ITS FINEST!* Step outside to your beautiful private swimming pool and expansive screened lanai, perfect for entertaining family and friends or simply relaxing in your own tropical retreat. *Pocket sliding glass doors open up the living areas to the outdoors*, creating a wonderful indoor-outdoor living experience. The spacious primary suite also features pocket sliding doors with access to the pool area, generous walk-in closets, and a beautifully tiled primary bathroom with dual pedestal sinks. *MAJOR BONUS: NEWER ROOF INSTALLED IN 2023!* Enjoy the added value and peace of mind of this significant improvement. *LOCATION, LOCATION, LOCATION!* Conveniently situated near beautiful Gulf Coast beaches, including *Manasota Key, as well as shopping, restaurants, entertainment, and everyday conveniences. **NATURE LOVERS WILL LOVE THIS LOCATION!* Just minutes away is the spectacular *120-plus-acre Oyster Creek Regional Park*, offering opportunities for hiking, jogging, canoeing, wildlife viewing, and enjoying Southwest Florida’s natural beauty. *HOMES IN THIS DESIRABLE COMMUNITY DON'T COME AVAILABLE OFTEN!* With its spacious floor plan, beautiful pool, oversized lanai, newer roof, tropical landscaping, and outstanding location, this property offers an exceptional opportunity to enjoy the Southwest Florida lifestyle. *DON’T LET THIS AMAZING OPPORTUNITY PASS YOU BY! SCHEDULE YOUR PRIVATE SHOWING TODAY BEFORE IT’S GONE!*
Facts
- Property type
- Single Family Residence
- Year built
- 1993
- Bathrooms
- 3 full
- Living area
- 2,337 sqft
- Lot size
- 0.32 acres
- Private pool
- Yes
- Exposure
- South
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,637/yr
- Listed
- Sep 14, 2026
- MLS #
- C7530736
Price & status history
- Listed for $490,000
- Price reduced to $485,000
Virtual tour
- Property Panorama tourpropertypanorama.comView the virtual tour(opens propertypanorama.com in a new tab)
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1040 BAY HARBOR DR. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$3,243
$2,452 of that is principal & interest. 24% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,452
- Property taxes
- $386
- Homeowners insurance
- $404
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,243
Over the life of the loan
- Loan amount
- $388,000
- Down payment
- $97,000
- Total interest
- $494,873
- Principal + interest paid
- $882,873
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
Take a tour
Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
1040 Bay Harbor Dr, Englewood, FL 34224
Listing courtesy of SCHIFF REALTY, INC. · MLS# C7530736 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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