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List Price

$649,999

652 Elm, Englewood, FL 34223

66 days on market

Estimated Payment

$4,242/mo

20% down and current market rates

Bedrooms3 bdBathrooms3 baLiving area2,028 Square FeetYear builtBuilt 2006

Listed by

Joseph Kahn

MARINA PARK REALTY LLC

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Beautifully maintained and move-in ready, this custom 3-bedroom, 2.5-bath home offers the perfect blend of comfort, privacy, and exceptional craftsmanship. Situated on a spacious ¼-acre lot with an additional included building lot, this property provides extra space and endless possibilities. Located in a non-flood zone with no HOA or deed restrictions, you'll enjoy the freedom to make the most of your property, with plenty of room to park your RV, boat, trailer, or other recreational vehicles without the typical community restrictions or fees. A 2-car garage with a new garage door and keypad is complemented by a detached, air-conditioned workshop/storage building with electricity, making it ideal for hobbies, projects, or additional storage. The fully fenced yard is perfect for pets, while the home is set approximately 250 feet from the road, creating a peaceful and private setting. Step inside to an inviting open floor plan designed for both everyday living and entertaining. The living room features a tray ceiling with accent lighting and a unique glow-in-the-dark constellation design, while custom Tuscan-inspired murals by renowned local artist Chris Long add warmth, charm, and one-of-a-kind character throughout the home. The beautifully appointed kitchen showcases granite countertops, custom wood cabinetry, a breakfast bar, new stainless-steel appliances, and abundant cabinet space. It flows seamlessly into the dining area and spacious great room, where a painted tray ceiling, illuminated display shelving, and a built-in china cabinet create an elegant gathering space for family and friends. French doors lead to your own private outdoor retreat featuring a solar-heated, screened pool, relaxing whirlpool spa, and a stunning hand-painted seascape mural that enhances the tropical ambiance. The lanai also provides direct access to the fenced backyard and includes two convenient doggie doors. The spacious primary suite offers two walk-in closets, a comfortable sitting area, and French doors opening directly to the pool. The luxurious en-suite bath features a new granite-topped dual vanity with vessel sinks, a whirlpool soaking tub, a walk-in shower with a built-in bench, and an etched glass window that provides natural light while maintaining privacy. A separate guest suite with its own private entrance includes a bedroom, sitting room, and full bath, making it ideal for guests, extended family, a home office, or even a potential income-producing rental. The suite also features its own Nest thermostat for personalized comfort. Additional features include plantation shutters, rich wood flooring, crown molding, tray ceilings with accent lighting, a spacious laundry room with a new washer and dryer, a deep utility sink, and abundant storage throughout. Recent updates include a new roof installed in 2022, a $70,000 paid-off solar panel system that keeps electric bills averaging approximately $40 per month, a new HVAC system installed in 2021, a water heater replaced in 2022, a new pool heater, a new garage door with keypad,portable generator, and new stainless steel kitchen appliances. Combining custom craftsmanship, artistic details, energy-efficient upgrades, and an exceptionally private setting, this one-of-a-kind property offers an incredible opportunity to enjoy the very best of Florida living.

652 Elm, Englewood, FL 34223 in Englewood, FL 34223 is listed for $649,999. The home has 3 bedrooms, 3 bathrooms, and 2,028 square feet, and was built in 2006. Listed 66 days ago. The listing is held by MARINA PARK REALTY 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$2,766 (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 today's published rate.

Illustrative estimate

Loan Program

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

20%

Down payment (20% of price): $130,000

$

$4,242/moest.

  • Principal & Interest 82%
  • Property Taxes 5%
  • Insurance 13%
Principal & Interest
$3,470
Property Taxesfrom listing
$230
Insurance
$542

30-year fixed at 7.03%, as of September 24, 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: 7.03% for a 30-year fixed loan, published September 24, 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 $4,242, 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 $2,766 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 Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR800059368. HomeJam is not the listing broker.

List Price

$649,999

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