$309,900
Coming Soon430 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
Virtual tours
- Video tour on YouTubeyoutube.com
- Matterport 3-D tourmy.matterport.com
Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting 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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