Kat Bonelli
$3,199,9994 bd3.5 ba4,002 sqft$800 /sqft$19,262 /mo all-in ↓

190 MOCKINGBIRD LANE, ENGLEWOOD, FL, 34223

Active4 days on marketListed Jul 28, 2026MLS #A4701317

New constructionWaterfrontPrivate poolSingle Family ResidenceCHADWICK RE

About this home

190 MOCKINGBIRD LANE

Under Construction. To Be Built – Luxury Coastal Contemporary Waterfront Home by Surf Shack Builders! An exceptional opportunity to own a brand-new luxury waterfront residence by Surf Shack Builders, the acclaimed custom builder renowned for creating timeless coastal homes throughout Florida's Gulf Coast. Perfectly positioned on a canal-front homesite in Englewood with a brand-new seawall already in place, this architecturally stunning residence offers the rare opportunity to personalize select finishes while construction has yet to begin. Designed by HausDesign Studio, this elevated custom home encompasses approximately 4,002 square feet of air-conditioned living space (6,493 total square feet) with 4 bedrooms, 3 full bathrooms, 1 powder bath, private den, sitting area, two laundry rooms, a three-stop elevator, and an oversized 34-foot-deep two-car garage with extensive storage. The main living level was thoughtfully designed for entertaining, featuring an expansive open-concept floor plan with approximately 10-foot ceilings, a designer kitchen with an oversized island, walk-in pantry, coffee bar, dining area, ventless gas fireplace, and walls of PGT Low-E 366 impact-rated glass that seamlessly connect the interior to spacious covered balconies overlooking the water. Occupying its own private level, the luxurious primary retreat offers a spacious bedroom, sitting area, private den, oversized walk-in closet, spa-inspired bath, dedicated laundry room, and a covered waterfront balcony creating the ultimate owner's sanctuary. Built to today's highest coastal construction standards, the home features reinforced concrete block construction with engineered structural systems designed for 160-MPH wind loads, standing-seam metal roofing, hurricane-rated connections, impact windows and doors, elevated living spaces well above required flood elevations, Smart Vent flood protection, spray foam insulation, multi-zone HVAC, tankless water heater, Level 5 drywall finish, eight-foot solid-core doors, European-style cabinetry, stone countertops, premium flooring selections, smart home prewiring, security and CCTV provisions, and beautifully designed indoor-outdoor living spaces throughout. Outdoor living is equally impressive with plans for a resort-style Gunite pool and spa (under separate permit), multiple covered terraces, roof deck access, and an incredible waterfront setting ready for your custom dock. The new seawall provides the perfect starting point for creating your ideal boating lifestyle. Located just minutes from Manasota Key beaches, marinas, golf, waterfront dining, shopping, and Historic Dearborn Street, this is a rare opportunity to build a fully customized luxury waterfront residence with one of the Gulf Coast's premier builders. Renderings are for illustrative purposes only. Pricing is based on approved plans and specifications. Buyers may have the opportunity to customize finishes and selections with the builder. All specifications, features, dimensions, and pricing are subject to change without notice.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

4,002

Sqft

0.18 ac

Lot size

2

Garage

2027

Year built

Three Or More

Levels

$800

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringBrick/Stone · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Microwave · Range Hood · Refrigerator · Tankless Water Heater
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Elevator · High Ceilings · In Wall Pest System
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air · Zoned
HeatingCentral · Electric · Natural Gas

Outside & construction

RoofMetal
ConstructionBlock · Cement Siding · Concrete
FoundationSlab · Stilt/On Piling
ViewWater
FacesSouthwest
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorIrrigation System · Lighting · Permeable Paving · Private Mailbox · Private Yard · Rain Gutters

Community & fees

Taxes (2025)$7,625/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$19,262 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$17,267
PMI (est., until 20% equity)$1,200
Property tax — 2025 actual bill$635
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $320,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $320,000
Interest rate6.00%
Loan term

Estimated payment

$19,262/mo

Principal & interest$17,267
PMI (est., until 20% equity)$1,200
Property taxes (actual bill)$635
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Englewood actives

$800 vs $240

Days on market

4 vs 59 typical

Where $800/sqft sits among the 400 Englewood actives

177
119
57
17
7
23 · this home
$115–229$229–343$343–457$457–571$571–686$686+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Englewood

Map of 190 MOCKINGBIRD LANE

Get to know Englewood. See the full Englewood guide →

ENGLEWOOD 34223 — neighborhood snapshot

Population

19,036

Median age

67.6

Median income

$70,155

Median home value

$358,000

Avg household

1.89

Households w/ children

693

For the school run

Sarasota County School District

ElementaryEnglewood Elementary School★★★★
HighLemon Bay High School★★★★★
MiddleL. A. Ainger Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Englewood market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$320K$333K

Englewood median sold, yr/yr

94.5%

Sale-to-list ratio (12 mo)

180 of 400

Englewood actives have cut their price

Median sold price, Englewood, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 710% above the ENGLEWOOD 34223 median. See the full Englewood market guide →

Paper trail

This home's history

Jul 28, 2026Listed at $3,199,999 · 4 days on market since
2027Built · CHADWICK RE

Reality check

What actually sold near 190 MOCKINGBIRD LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2845 N BEACH ROADSold · Mar ’26

$1,160,000

2845 N BEACH ROAD

3 bd · 3 ba · 4,000 sqft · $290/sqft · 17 DOM

155 STANFORD DRIVE UNIT 3Sold · Feb ’26

$1,315,000

155 STANFORD DRIVE UNIT 3

3 bd · 3.5 ba · 3,250 sqft · $405/sqft · 143 DOM

1600 NEW POINT COMFORT ROADSold · Jul ’26

$2,200,000

1600 NEW POINT COMFORT ROAD

5 bd · 5 ba · 3,115 sqft · $706/sqft · 50 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 190 MOCKINGBIRD LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 190 MOCKINGBIRD LANE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Kat's phone and CRM.

Goes straight to Kat’s phone and CRM.

Straight answers

190 MOCKINGBIRD LANE FAQs

What would the monthly payment be for 190 MOCKINGBIRD LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,262/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 190 MOCKINGBIRD LANE?+

The most recent tax bill on record (2025) was $7,625. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 190 MOCKINGBIRD LANE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Englewood?+

At $3,199,999, this home is listed about 767% above the Englewood median of $369,302. The market section on this page shows how the area is trending.

Which schools are assigned to 190 MOCKINGBIRD LANE?+

Englewood Elementary School (elementary), Lemon Bay High School (high), L. A. Ainger Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$3,199,999 runs 710% above the ENGLEWOOD 34223 median — but at 4,002 sqft it's also nearly 3 times the size of the typical Englewood listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 4 days on market in a Englewood market that averages 59 — if it fits, move quickly.

04Strong assigned schools

Englewood Elementary School, Lemon Bay High School, L. A. Ainger Middle School — Englewood Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER REALTY · Danielle Dietrich, Pa. MLS #A4701317.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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