$949,000
Active4095 N Beach Rd, Englewood, FL 34223
2 beds Β· 2 baths Β· 1,466 sq ft
Listing courtesy of MATTHEW GUTHRIE AND ASSOCIATES REALTY LLC Β· MLS# A4708706
Listed today
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
REFRESHED ISLAND RETREAT WITH DEEDED BEACH AND DOCK ACCESS ON MANASOTA KEY! Enjoy the best of Florida's coastal lifestyle in this beautifully updated 2-bedroom, 2-bath home with an additional sunroom/den, tucked into the quaint Pelican Shores neighborhood on Manasota Key. With deeded access to the Gulf beaches just across the street and community dock access on Lemon Bay, this property offers the rare opportunity to enjoy both boating and beachside living without the expense and restrictions of a condominium. Recently refreshed inside and out, the home features updated flooring throughout, refreshed kitchen and bathrooms, and an approximately 264 square feet of enclosed sunroom/den space with hurricane-impact windows. This bright, versatile room provides the perfect setting for a home office, additional sitting area, hobby room, or relaxing retreat surrounded by tropical views. Inside, the open great-room design features vaulted ceilings, an abundance of natural light, and an easy flow between the living, dining, and kitchen areas. The refreshed kitchen offers white cabinetry, quartz countertops, stainless steel appliances, a breakfast bar, and generous storage. The spacious primary suite features a walk-in closet, private bathroom, and direct access to the backyard, while the comfortable guest bedroom and updated second bathroom provide welcoming accommodations for visitors. Constructed of concrete block with an elevated slab foundation and durable metal roof, the home combines classic Florida coastal character with practical features. Outside, the oversized, approximately quarter-acre lot is a standout feature, offering far more outdoor space than many island properties. The fully fenced yard has been enhanced with updated tropical landscaping, creating an inviting setting with room for outdoor entertaining, gardening, pets, or a future pool. A substantial **16-by-20-foot storage shed** provides exceptional additional space for beach equipment, fishing gear, bicycles, kayaks, and all the essentials of coastal living. The real advantage is the LOCATION and ACCESS. Pelican Shores is a small, established island neighborhood offering deeded beach access to the Gulf and community dock access along Lemon Bay, where residents can enjoy fishing, boating, kayaking, and access to the Gulf through Stump Pass. Spend the morning on the beach, an afternoon exploring the waterways, and the evening enjoying the island's local restaurants and waterfront gathering spots. Adding to the area's appeal, a major **Manasota Key beach re-nourishment project is planned**, with construction currently anticipated to begin in late 2026. This shoreline restoration initiative is designed to replenish sand and restore portions of the island's beach and dune system. Whether you're searching for a full-time island residence, seasonal getaway, or coastal investment opportunity, this refreshed home offers an attractive combination of updated living spaces, generous outdoor space, and access to both the BEACH and BAY. Experience the laid-back charm of Manasota Key, where life moves at a different pace and the water is always close by.
Facts
- Property type
- Single Family Residence
- Year built
- 1995
- Living area
- 1,466 sqft
- Lot size
- 0.22 acres
- Water access
- Beach - Access Deeded, Intracoastal Waterway
- Private pool
- No
- Exposure
- West
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $6,285/yr
- Monthly fees
- $25/mo
- Listed
- Oct 15, 2026
- MLS #
- A4708706
Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 4095 N BEACH RD. 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 β 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 β 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied β your down payment is 20% or more.
Estimated total monthly payment
$6,138
$4,799 of that is principal & interest. 22% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $4,799
- Property taxes
- $524
- Homeowners insurance
- $791
- Flood insurance
- $0
- HOA / condo fees
- $25
- Mortgage insurance (PMI)
- $0
- Total per month
- $6,138
Over the life of the loan
- Loan amount
- $759,200
- Down payment
- $189,800
- Total interest
- $968,318
- Principal + interest paid
- $1,727,518
- 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 β 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 β a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
4095 N Beach Rd, Englewood, FL 34223
Listing courtesy of MATTHEW GUTHRIE AND ASSOCIATES REALTY LLC Β· MLS# A4708706 Β· Active
Where this home is
Opens on aerial β on this coast the canal, the lot and the neighbours answer more questions than a street grid does.



