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9084 PROSPECT AVENUE, Englewood, FL, 34224

2beds
2baths
1,247sqft
$279,000
$224price/sqft
$2,301/moest. monthly cost
$92,040/yrincome needed

About This Home

Whether you’re enjoying peaceful mornings overlooking the water or entertaining family and friends, this home offers the ideal backdrop for the Florida lifestyle. Discover the charm and endless possibilities of this delightful waterfront home on a peaceful freshwater canal in Englewood, backing up to the Myakka State Forest across the water. Offering two bedrooms, two baths and a spacious two-car garage, this inviting residence is the ideal opportunity for year-round living, a winter retreat or an investment property. The open floor plan features soaring ceilings in the living and dining areas, creating a bright and airy atmosphere. The kitchen has been updated with beautiful quartz countertops, a convenient breakfast bar and a cozy breakfast nook overlooking the backyard. Multiple sliding glass doors from the breakfast nook, living room and primary suite seamlessly connect the indoor living spaces to the outdoors, allowing you to enjoy Florida’s sunshine and tranquil water views. A newer metal roof (approximately 2-3 years old), city water and a septic system replaced five years ago provide added peace of mind. Go outside to a generously sized backyard leading to your private dock on the freshwater canal, ideal for kayaking, canoeing, fishing or simply relaxing while enjoying peaceful surroundings. While the home could benefit from a little TLC, it is priced to reflect an excellent opportunity to add your personal style and create something special. Whether you’re looking for a full-time residence, seasonal retreat or investment opportunity, this charming canal-front home offers the ideal combination of location, lifestyle and value.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

6/10
7/10
5/10
Lemon Bay High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Range,Range Hood,Refrigerator,Washer
  • Laundry features: In Garage

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First
  • Area: 150
  • Dimensions: 10x15

Features

  • Ceiling Fan(s),Eating Space In Kitchen,Living Room/Dining Room Combo,Stone Counters,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: Laminate,Vinyl

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,064
  • Total interior livable area: 1,247 sqft

Kitchen

  • Level: First
  • Area: 171
  • Dimensions: 9x19

Living Room

  • Level: First
  • Area: 224
  • Dimensions: 14x16

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 156
  • Dimensions: 12x13

Property

Details

  • Parcel number: 412003101006
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Screened
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water,Canal
  • Has water view: Yes
  • Water view: Water,Canal
  • On waterfront: Yes
  • Waterfront features: Canal - Freshwater,Freshwater Canal Access
  • Waterbody name: NEWGATE WATERWAY

Lot

  • Lot size: 9,999 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tsunami

FEMA Declared Disasters in Charlotte County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,410$16,920
Home Insurance *$261$3,132
Property Taxes $433$5,196
Electricity $197$2,366
Total$2,301$27,612
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$78,891/yr
40% on housing$69,030/yr
45% on housing$61,360/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.9%
13.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 34224$171
Charlotte County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 34224$200
Charlotte County$188

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-20Listed for sale$279,000
2021-04-08Sold$240,000
2021-01-22Pending sale$225,000
2021-01-19Listed for sale$225,000
2020-08-15Listing removed$214,000
2020-08-14Listed for sale$214,000
2020-08-14Pending sale$214,000
2020-08-07Pending sale$214,000
2020-08-03Listed for sale$214,000
2019-03-14Sold$124,500
1999-10-21Sold$84,000

For Sale by Agent

AgentElke Von Oertzen
BrokeragePREMIER SOTHEBYS INTL REALTY

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