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List Price

$849,900

2225 Beach Unit 402, Englewood, FL 34223

153 days on market↓ $45K from original list price

Estimated Payment

$6,043/mo

20% down and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,780 Square FeetYear builtBuilt 2006

Listed by

Martin Chappell

GULF REALTY & ASSOCIATES LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

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Top-floor 2Bed/2Bath condominium offering a breathtaking view of Englewood Beach and the Gulf of Mexico and almost 1,800sq ft of living space. Designed with quality finishes throughout, the unit features granite countertops, stainless steel appliances, wood cabinetry, 10’ tray ceilings, crown molding, oversized rooms, a wet bar in the entry foyer, and impact-rated windows and doors throughout. This mostly furnished residence includes a wonderful, covered balcony off the kitchen and living area overlooking the beach and Gulf, creating an ideal space for relaxing, soaking in rays, or entertaining guests. The oversized primary bedroom suite features a screened covered balcony in addition to a large walk-in closet with California closet system, and large en-suite bathroom with dual vanities and walk-in shower. The guest bedroom also includes a walk-in closet with California closet system and is conveniently located next to the guest bathroom. Unit includes a full-size washer/dryer in a dedicated laundry room. A rare two-and-a-half-car tandem garage with attached storage room is included.

2225 Beach Unit 402, Englewood, FL 34223 in Englewood, FL 34223 is listed for $849,900. The home has 2 bedrooms, 2 bathrooms, and 1,780 square feet, and was built in 2006. Listed 153 days ago. The price was reduced from $895,000. The listing is held by GULF REALTY & ASSOCIATES LLC.

34223 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$8,831 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $169,980

$

$6,043/moest.

  • Principal & Interest 76%
  • Property Taxes 12%
  • Insurance 12%
Principal & Interest
$4,599
Property Taxesfrom listing
$736
Insurance
$708

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $6,043, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $8,831 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR793118494. HomeJam is not the listing broker.

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