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Lasbury Tracy Realty Inc
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$309,900

Coming Soon

430 W Harvard St, Englewood, FL 34223

2 beds · 1 bath · 999 sq ft

Listing courtesy of LOYD ROBBINS & CO. LLC · MLS# A4710278

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

Renovated living, no HOA, and space to enjoy the outdoors come together at this 2-bedroom, 1-bath home in Englewood, Florida, featuring PGT hurricane impact-rated windows throughout, Flood Zone X positioning, and a private backyard with double-gate access and a shed with electricity. Inside, the open-concept layout connects the living area and kitchen, with luxury vinyl plank flooring and an electric fireplace creating a welcoming setting for everyday living or gathering with guests. The updated kitchen features granite countertops, an induction range, refrigerator, dishwasher, and built-in microwave, while a stacking washer and dryer and tankless water heater add convenience. The renovated bathroom includes shellstone flooring, updated fixtures, and a walk-in shower. Extensive improvements extend beyond the finishes to include new wood framing, lath, and a moisture barrier, updated electrical, new PEX plumbing, and replacement of the sewer line connecting the home to the street, complemented by a roof replaced in 2019. Outside, the spacious backyard offers room for gardening, outdoor dining, or relaxing after a day at the beach, while the powered shed provides additional storage or space for hobbies and workshop projects. Double-gate access adds flexibility for moving larger items into the yard, and public water and sewer simplify everyday ownership. Enjoy convenient access to historic Dearborn Street’s locally owned shops, restaurants, and galleries, along with Lemon Bay Park and Environmental Center, Buchan Airport Community Park, and Englewood Beach, approximately 6 miles away. With its renovated interior, extensive system updates, and useful outdoor space, this Englewood home offers a compelling combination of comfort, functionality, and access to Florida’s Gulf Coast.

Facts

Property type
Single Family Residence
Year built
1946
Living area
999 sqft
Lot size
0.13 acres
Private pool
No
Exposure
South
Furnished
Unfurnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$1,645/yr
Listed
Oct 23, 2026
MLS #
A4710278

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 430 W HARVARD ST. 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

$1,962

$1,567 of that is principal & interest. 20% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$1,567
Property taxes
$137
Homeowners insurance
$258
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$1,962

Over the life of the loan

Loan amount
$247,920
Down payment
$61,980
Total interest
$316,208
Principal + interest paid
$564,128
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.

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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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 25, 2026, 1:13 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]