8746 SAINT KITTS CIRCLE, Englewood, FL, 34224 | $299,000

This is a tremendous opportunity for homeowners, investors, and snowbirds to own a brand-new, heavily upgraded home in the gated coastal community of Coco Bay - offering both lifestyle and income potential. The property is currently tenant occupied and generating rental income, with a lease in place through August 20th, making it an excellent investment or future seasonal retreat.
Furniture may be purchased separately for an additional $10, 000 (approximately $25, 000 value), providing a convenient move-in ready option if desired.
Unlike typical developer properties, this home is warm, bright, and thoughtfully designed for comfortable Florida living. The single-story layout features 3 bedrooms, 2 bathrooms, and a private oversized 2-car garage with approximately 16 inches of additional depth, ideal for extra storage, bikes, or beach gear. A private paver patio enhances the sense of privacy and the feel of a standalone home.
Peace of mind comes with excellent elevation in an X flood zone, impact-resistant windows and sliders, and structural features well-suited for coastal living. Interior upgrades include custom wall trim carpentry, soft yet vibrant interior colors, and tile flooring throughout, creating a seamless flow from room to room.
The chef's kitchen is a standout with quartz countertops, shaker-style cabinetry, and stainless-steel appliances - perfect for entertaining or everyday living. The spacious primary suite offers a serene retreat with a walk-in closet, dual sinks, a generous tiled shower, and abundant natural light.
The HOA fee includes lawn care, irrigation, and internet, making ownership easy and low maintenance. Residents enjoy access to a fully available Amenity Center, featuring a swimming pool, fitness center, pickleball courts, and a playground-ideal for relaxation, recreation, and year-round enjoyment for all ages.

Features

  • Amenities: Gated, Pickleball Court(s), Pool, Tennis Court(s)
  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Florida
  • Year Built: 2024
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,423
  • Acreage: 0.11
  • Est. Taxes: $1,884
  • HOA Fee: $759 Quarterly
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: N6142461
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/N6142461/8746saintkittscircle_englewood_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 2/9/2026 4:57:31 AM)
Listing courtesy of EXIT KING REALTY   Phone: 941-497-6060

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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8746 SAINT KITTS CIRCLE, Englewood, FL, 34224

$299,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $239,200 $239,200 $239,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 6.000% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.178% 5.541%
Monthly Tax Payment $157 $157 $157
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,321 $1,434 $1,923
Total Monthly Payment $1,553 $1,666 $2,155

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.