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$885,000

Active

9230 Pine Cove Dr, Englewood, FL 34224

3 beds Β· 2 baths Β· 1,774 sq ft

Listing courtesy of MICHAEL SAUNDERS & COMPANY Β· MLS# N6145882

29 days on market

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

About this home

Virtually Staged. Experience exceptional Florida waterfront living in this ELEVATED 3-bedroom, 2-bath coastal retreat with a 4-CAR GARAGE, workshop, and 1,778 square feet of garage and storage space. Enjoy BOATABLE DEEP-WATER ACCESS with a short ride to the Intracoastal Waterway and Gulf.NO HOA. Perfectly positioned on an oversized lot, the property boasts 100 FEET OF CONCRETE SEAWALL, a CEMENT DOCK WITH POWER, and a COVERED BOAT LIFT, creating an outstanding setup for serious boaters. With sailboat-accessible water and no fixed bridges to limit your boating lifestyle, this is a rare opportunity to enjoy effortless access to some of Southwest Florida’s most desirable waterways. Multiple outdoor living spaces elevate the coastal experience, with screened lanais on both levels capturing peaceful water views and a wraparound porch perfectly positioned to enjoy both sunrise and sunset. An extended waterfront entertaining area provides even more space to relax, gather with friends, and take in the views just steps from your dock. A truly exceptional feature is the entire 1,774-square-foot lower-level garage and storage area, offering an extraordinary amount of flexible space rarely found in a waterfront property. BRAND NEW durable epoxy/polyaspartic floor coating with TRANSFERRABLE Warranty, fresh paint, and NEW LIGHTING, this expansive area also includes built-in shelving and a workbench. There is abundant room for a golf cart, boating and fishing gear, kayaks, bicycles, workshop space, recreational equipment, and extensive storage. The improvements continue into the lower-level lanai, creating a clean, bright, finished space that adds even more versatility for entertaining, hobbies, and waterfront living. The elevated main living level is designed to embrace the views, with large sliding glass doors filling the spacious great room and dining area with natural light while creating a seamless connection to the waterfront lanai. The updated kitchen features granite countertops, beautiful cabinetry, three pantries, a built-in desk, and direct lanai access, making it equally suited for everyday living and entertaining. The primary suite offers a private retreat with dual built-in closets and an ensuite bath featuring granite countertops and a walk-in shower. Two additional guest bedrooms provide excellent flexibility, including one with a Murphy bed and direct lanai access that works beautifully as a home office or guest suite, along with an oversized secondary guest room and well-appointed guest bath. All three bedrooms have been refreshed with NEW CARPET, enhancing the home's clean, move-in-ready appeal. Additional updates include a 2023 roof, 2023 A/C, 2024 water heater, and 2024 refrigerator and microwave, along with elevated HVAC placement for added peace of mind. The elevated design provides an important advantage for waterfront living, with NO FLOODING TO THE MAIN LIVING LEVEL during past storms or storm surge events. Beautiful landscaping further enhances the property's coastal setting. With deep-water boating access, approximately 100 feet of seawall, private dock and boat lift, expansive garage and storage space, multiple waterfront living areas, and an elevated main living level, this property delivers the lifestyle waterfront buyers are searching for. Move-in ready and designed around the water, it is a rare opportunity to enjoy boating, breathtaking views, and effortless access to the Intracoastal Waterway and Gulfβ€”all from your own backyard.

Facts

Property type
Single Family Residence
Year built
1986
Bathrooms
2 full
Living area
1,774 sqft
Lot size
0.26 acres
Waterfront
Yes Β· 100 ft
Water access
Canal - Saltwater, Gulf/Ocean, Intracoastal Waterway
Water view
Yes
Private pool
No
Exposure
West
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$4,974/yr
Listed
Sep 19, 2026
MLS #
N6145882

Virtual tours

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 β€” not a loan offer

Starting figures for 9230 PINE COVE 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 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.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied β€” your down payment is 20% or more.

Estimated total monthly payment

$5,627

$4,475 of that is principal & interest. 20% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$4,475
Property taxes
$415
Homeowners insurance
$738
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$5,627

Over the life of the loan

Loan amount
$708,000
Down payment
$177,000
Total interest
$903,015
Principal + interest paid
$1,611,015
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.

9230 Pine Cove Dr, Englewood, FL 34224

Listing courtesy of MICHAEL SAUNDERS & COMPANY Β· MLS# N6145882 Β· Active

How would you like to see it?
Which day?
What time of day?

In person Β· Thu, Oct 29 Β· Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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.

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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 28, 2026, 9:35 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. Β· [email protected]