$490,000
Active1040 Bay Harbor Dr, Englewood, FL 34224
4 beds · 3 baths · 2,337 sq ft
Listing courtesy of SCHIFF REALTY, INC. · MLS# C7530736
13 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
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!
Facts
- Property type
- Single Family Residence
- Year built
- 1993
- 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
- 2026-09-14
- MLS #
- C7530736
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
$3,272
$2,478 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
- $2,478
- Property taxes
- $386
- Homeowners insurance
- $408
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,272
Over the life of the loan
- Loan amount
- $392,000
- Down payment
- $98,000
- Total interest
- $499,974
- Principal + interest paid
- $891,974
- 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.
