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1905 Mississippi Ave, Englewood, FL, 34224

5beds
5baths
4,937sqft
$2,999,999
$608price/sqft
$22,335/moest. monthly cost
$893,400/yrincome needed

About This Home

One or more photo(s) has been virtually staged. A landmark waterfront home with a story to tell, set where Lemon Bay meets the Intracoastal & the water surrounds you in every direction. Positioned at the end of a quiet cul-de-sac on Lemon Bay, this one-of-a-kind estate situated on a third acre, offers sweeping water views, exceptional structural integrity, & a design shaped by history & purpose. With water visible from nearly every room & wraparound balconies on multiple levels, the connection to the Intracoastal Waterway, canal, & distant Gulf is constant & unforgettable. The main living level is elevated & encircled by expansive Trex decking, blending covered & open-air spaces ideal for enjoying sunrise, sunset, & everything in between. Inside, the great room features soaring 10 and 12 foot ceilings, built-in cabinetry, recessed lighting, ceiling fans, & a gas fireplace, framed by travertine and French doors opening to the surrounding balconies. The dining area flows into the kitchen, where custom cherry wood cabinetry, granite countertops, a large island with seating, pantry storage, & high-end appliances, including a Thermador gas range, create a space well suited for entertaining or everyday living. Elevator access on this level adds ease & functionality. Offering 5 total bedrooms, 4.5baths + living room + bonus room. 4 bedrooms are located on the main living floor, including 2 en-suites. The primary suite offers French door balcony access, sweeping bay & distant Gulf views, built-in shelving, & a custom walk-in closet. The primary bath includes dual sinks, Corian countertops, & a glass-enclosed walk-in shower with dual shower heads. A second en-suite bedroom features balcony access, a custom walk-in closet, & a spa-style bath with dual sinks, glass walk-in shower, & a jetted tub overlooking the water. 2 additional bedrooms share a Jack-&-Jill bath with custom built-in closets. The ground level is fully built out under air & functions as a private retreat with a living area, bedroom, & full bathroom with walk-in shower, ideal for guests or poolside living. This level opens directly to the covered & screened pool & spa, where paver decking & generous ceiling height create a protected resort-style setting. At the top of the home, a bonus living space offers bird’s-eye views across Lemon Bay & surrounding waterways, with a wet bar, wine storage, refrigerator, built-in desk, attic access, & French doors to a private open wraparound balcony. Outside, the property features a large seawall, sailboat water with no fixed bridges, & a boat lift (not warranted). The seawall allows for re-engineering to accommodate vessels up to approximately 50 to 100 feet, subject to buyer verification. Additional highlights include a small dog run with retractable awning & multiple wraparound balconies maximizing water views. Notable improvements include: freshly painted interior and exterior in Nov 2024, new metal roof completed in April 2024, 3 HVAC systems replaced in 2023, hurricane impact windows & doors with additional shutter protection, pool heat pump April 2020, whole-house water filtration & softener system, security system, elevator, & solid core cherry wood interior doors & staircases. Solar panels were previously installed & removed, with infrastructure remaining for future reinstallation. The very FIRST floor space, approximately 729sf, is being included in the total under air s.f. and is considered nonconforming.

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
57
BikeBikeable

Schools

8/10
6/10
4/10
Lemon Bay High SchoolGrades 9-120.9 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1956

Materials

  • Foundation: Block,Concrete Perimeter,Pillar/Post/Pier
  • Roof: Metal
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom,Elevated,Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Range Hood,Refrigerator,Washer
  • Laundry features: Inside,Laundry Room

Balcony Porch Lanai

  • Level: First
  • Area: 2537
  • Dimensions: 59x43

Bathroom1

  • Features: Shower No Tub
  • Level: First
  • Area: 36
  • Dimensions: 4x9

Bathroom2

  • Features: Dual Sinks,En Suite Bathroom
  • Level: Second
  • Area: 196
  • Dimensions: 14x14

Bathroom3

  • Level: Second
  • Area: 72
  • Dimensions: 6x12

Bedroom1

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 306
  • Dimensions: 18x17

Bedroom2

  • Features: Jack & Jill Bathroom,Walk-In Closet(s)
  • Level: Second
  • Area: 340
  • Dimensions: 20x17

Bedroom3

  • Features: Jack & Jill Bathroom,Walk-In Closet(s)
  • Level: Second
  • Area: 225
  • Dimensions: 15x15

Bedroom4

  • Features: Built-in Closet
  • Level: Second
  • Area: 196
  • Dimensions: 14x14

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Family Room

  • Features: Ceiling Fan(s),Walk-In Closet(s)
  • Level: First
  • Area: 324
  • Dimensions: 18x18

Features

  • Built-in Features,Ceiling Fan(s),Central Vacuum,Coffered Ceiling(s),Eating Space In Kitchen,Elevator,High Ceilings,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Solid Surface Counters,Solid Wood Cabinets,Split Bedroom,Stone Counters,Thermostat,Walk-In Closet(s),Wet Bar
  • Door features: French Doors,Outdoor Kitchen
  • Window features: Window Treatments,Hurricane Shutters,Hurricane Shutters/Windows
  • Flooring: Carpet,Tile,Hardwood
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes

Foyer

  • Level: Second
  • Area: 180
  • Dimensions: 18x10

Great Room

  • Level: Second
  • Area: 693
  • Dimensions: 33x21

Heating & Cooling

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

Interior Area

  • Total structure area: 11,547
  • Total interior livable area: 4,937 sqft

Kitchen

  • Features: Pantry
  • Level: Second
  • Area: 342
  • Dimensions: 18x19

Laundry

  • Features: En Suite Bathroom
  • Level: Second
  • Area: 80
  • Dimensions: 10x8

Primary Bathroom

  • Features: Dual Sinks
  • Level: Second

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: Second

Property

Details

  • Parcel number: 412017104003
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: Three Or More
  • Stories: 3
  • Private pool: Yes
  • Pool features: Gunite,Heated,In Ground
  • Patio & porch: Covered,Deck,Enclosed,Rear Porch,Screened,Side Porch,Wrap Around
  • Exterior features: Dog Run,Irrigation System,Outdoor Kitchen,Private Entrance,Private Mailbox
  • Has spa: Yes
  • Spa features: Heated,In Ground
  • Has view: Yes
  • View description: Water,Bay/Harbor - Full,Canal,Gulf/Ocean - Partial,Intracoastal Waterway
  • Has water view: Yes
  • Water view: Water,Bay/Harbor - Full,Canal,Gulf/Ocean - Partial,Intracoastal Waterway
  • On waterfront: Yes
  • Waterfront features: Bay/Harbor,Intracoastal Waterway,Bay/Harbor Access,Beach Access,Gulf/Ocean Access,Intracoastal Waterway Access,Bridges - No Fixed Bridges,Lift,Sailboat Water,Seawall
  • Waterbody name: LEMON BAY

Lot

  • Lot size: 0.30 Acres
  • Features: Cleared,Cul-De-Sac,FloodZone,In County,Level,Near Marina,Oversized Lot,Private,Street Dead-End
  • Lot size dimensions: 108 x 119

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener,Ground Level,Oversized,Under Building,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
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 $15,169$182,028
Home Insurance *$2,807$33,684
Property Taxes $3,863$46,356
Electricity $496$5,962
Total$22,335$268,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$765,771/yr
40% on housing$670,050/yr
45% on housing$595,600/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

$608This listing

vs Other Active Listings

Avg $/sqft

ZIP 34224$161
Charlotte County$199

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
2026-02-17Price change$2,999,999
2026-01-24Listed for sale$3,225,000
2026-01-17Listing removed$3,490,000
2025-09-17Price change$3,490,000
2025-04-01Listed for sale$3,900,000
2015-03-05Sold$814,800
1996-08-31Sold$320,000

For Sale by Agent

AgentAndrew Reese
BrokerageCOLDWELL BANKER SUNSTAR REALTY

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