See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

9181 Lake Dr, Englewood, FL, 34224

3beds
3baths
3,312sqft
$1,745,000
$527price/sqft
$13,080/moest. monthly cost
$523,200/yrincome needed

About This Home

Experience the ultimate in gulf coast living with this beautiful 3-story Key West style home designed to capture a lifestyle defined by sun, water and effortless coastal luxury. Boating enthusiasts will appreciate the impressive waterfront setup complete w/2 covered boat lifts, davits and room for jet skis or skiff, providing effortless access to world-class fishing, sandy beaches, sunset cruises and deep-sea adventures. Enjoy direct canal-front access from this home, providing you quick passage with no bridges to the intercoastal and Gulf waters through Stump Pass. This custom retreat embodies the Florida lifestyle and features expansive living spaces w/vaulted ceilings filled with natural light and multiple decks to enjoy coastal breezes from all 3 levels. At the top, a charming crow’s nest offers a unique flex space perfect for a home office, reading retreat or creative space all enhanced by private deck access with a one-of-a-kind vantage point that offers peek-a-boo views of the intercoastal and is perfect for sunrise coffee or sunset cocktails. Extensively renovated and thoughtfully updated, this exceptional home is a perfect blend of coastal style and everyday functionality. Dual kitchens w/sleek quartz counters and stainless-steel appliances create the perfect setup for hosting or extended families. A split floor plan ensures comfort and privacy, while the elevator adds ease to daily living. The spacious primary suite is a true retreat, featuring sliding glass doors that open to a screened lanai, creating a seamless indoor-outdoor connection. Dual w/i closets provide ample storage, while the luxurious en-suite bath offers a double-sink vanity, relaxing jetted tub, and a private water closet with a large walk-in shower. For added convenience, the suite also includes direct access to the generously sized laundry room. The 2-car garage offers more than just parking; it’s designed for versatility. There’s additional room for a golf cart and includes a dedicated work bench for all your hobbies/projects. There’s no need to run upstairs for anything. The fully air-conditioned recreation space is designed for entertaining, complete with a convenient full bath and well-equipped kitchen featuring a refrigerator, microwave hookup, and dishwasher for easy cleanups. Step outside to your own private resort-style oasis, where a large sport pool offers plenty of room for everyone, along with an outdoor shower and expansive gathering spaces perfect for both lively entertaining and peaceful relaxation. Whether hosting guests or enjoying an evening under the stars, this outdoor space embodies the Florida lifestyle. This extraordinary property delivers the perfect combination of luxury, function and coastal charm-where every day feels like a vacation and the water is always within reach. Updates include but are not limited to new kitchens, carpeting, pool cage, composite decking, window treatments, lower bath refresh, Pool heater/Pump/Fascia tile, home mechanics, garage doors, boat lift and covers, motors for boat lifts, electrical to davits, most windows and exterior doors. Located in the quiet little enclave of Pine Cove with no HOA or Deed Restriction to hold you back. This home is set on a peaceful No-Through street adjacent to the Bill Coy Preserve offering water views both front and back. Experience nature at its finest w/eagles nesting close by, roseate spoonbills, herons & egrets often sited & manatees and dolphins grace the canal.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

8/10
6/10
4/10
Lemon Bay High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 2001

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Coastal,Elevated,Florida,Key West
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: Second
  • Area: 154
  • Dimensions: 14x11

Bedroom3

  • Features: Built-in Closet
  • Level: Second
  • Area: 154
  • Dimensions: 14x11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Bonus Room

  • Features: No Closet
  • Level: Third
  • Area: 216
  • Dimensions: 12x18

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Elevator,High Ceilings,Open Floorplan,Split Bedroom,Stone Counters,Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: Outdoor Shower,Sliding Doors
  • Window features: Window Treatments,Hurricane Shutters
  • Flooring: Carpet,Tile

Great Room

  • Level: Second
  • Area: 560
  • Dimensions: 20x28

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,709
  • Total interior livable area: 3,312 sqft

Kitchen

  • Level: Second
  • Area: 169
  • Dimensions: 13x13

Laundry

  • Features: Storage Closet
  • Level: Second
  • Area: 154
  • Dimensions: 14x11

Primary Bedroom

  • Features: Bath With Whirlpool,Dual Sinks,En Suite Bathroom,Water Closet/Priv Toilet,Walk-In Closet(s)
  • Level: Second
  • Area: 459
  • Dimensions: 17x27

Property

Details

  • Parcel number: 412021184004
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: Three Or More
  • Stories: 3
  • Private pool: Yes
  • Pool features: Gunite,Heated,In Ground,Screen Enclosure
  • Exterior features: Balcony,Outdoor Shower
  • Has view: Yes
  • View description: Water,Bay/Harbor - Partial,Canal,Intracoastal Waterway,Lagoon
  • Has water view: Yes
  • Water view: Water,Bay/Harbor - Partial,Canal,Intracoastal Waterway,Lagoon
  • On waterfront: Yes
  • Waterfront features: Canal - Saltwater,Saltwater Canal Access,Gulf/Ocean Access,Intracoastal Waterway Access,Bridges - No Fixed Bridges,Davits,Lift - Covered,Sailboat Water,Seawall

Lot

  • Lot size: 10,396 sqft
  • Features: Street Dead-End
  • Lot size dimensions: 92 x 113

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

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
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 $8,823$105,876
Home Insurance *$1,633$19,596
Property Taxes $2,291$27,492
Electricity $333$3,999
Total$13,080$156,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$448,457/yr
40% on housing$392,400/yr
45% on housing$348,800/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

$527This listing

vs Other Active Listings

Avg $/sqft

ZIP 34224$163
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
2026-04-12Listed for sale$1,745,000
2000-04-07Sold$105,000
1996-07-09Sold$90,000

For Sale by Agent

AgentJulie Kay Fitzpatrick
BrokeragePARADISE EXCLUSIVE INC

Similar Homes