20 W Cowles St, photo 1
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Overview

4 bd3 ba1,885 sqftDuplex
TypeDuplex
HOANone listed
Built1972
Lot6,921 sqft
Living area1,885 sqft
Price / sqft$210

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)OutbuildingsLightingSidewalkDryerRangeRefrigeratorWasher

20 W Cowles St is a 1972-built home in Goulds Add, Englewood. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,885 square feet of living space. Listed at $395,000 (about $210/sqft), 54 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Calling all investors and Florida lifestyle seekers to this charming Old Florida-style duplex offering an unbeatable location in historic Old Englewood with an excellent rental history and zero HOA rules! Unit A features a light-filled 2-bedroom, 1-bathroom layout, while Unit B offers a spacious 2-bedroom, 2-bathroom floor plan, both boasting open concepts with large windows letting in an abundance of natural sunlight. Enjoy authentic Florida living with individual washer and dryer units for each side, a durable asphalt driveway with sidewalks to entry, a detached storage shed, a shingle roof replaced in 2008, and a private screen-enclosed lanai perfect for relaxing outdoors. Situated merely 4/10 of a mile from the nearest supermarket and just 2.9 miles from Englewood Beach and Manasota Key’s famous turquoise waters, the property delivers quick, easy access to Lemon Bay public boat ramps for fishing, kayaking, and sunset cruises. You are also just minutes away from historic Dearborn Street’s popular farmers markets, local eateries, art galleries, and Pioneer Park, making this versatile property the ultimate opportunity to generate steady rental income or live in one unit while leasing the other—call today to schedule your private showing!

The essentials

Built
1972
Price / sqft
$210
On market
54 days
Annual tax
$3,813
Flood zone
X500 · Low risk
Lot
6,921 sqft
Type
Duplex

At a glance

Multi-family
Built 1972
6,921 sqft lot
Lot size
1,885 sqft
Living area

Payment

Est. monthly payment
$2,575/mo
Down payment (20%)
$79,000
Property taxes
$318/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Duplex
Year Built
1972
Lot
6,921 sqft
Cooling
Central Air, Wall/Window Unit(s)
Heating
Central, Electric
Parking
-
Days on Market
54
Ceiling Fans(s)
Outbuildings
Lighting
Sidewalk
Dryer
Range
Refrigerator
Washer
Elementary
Englewood Elementary
Middle
L.A. Ainger Middle
High
Lemon Bay High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X500
Annual Tax (2025)
$3,813
Parcel #
0503080051

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Goulds Add
County
Sarasota
MLS Area
34223 - Englewood
Lot Size
6,921 sqft
Paved

Price history

Date
Event
Price
8/25/2026
Listed for sale
Source: Stellar MLS #D6148532
$395,000
$210/sqft

Neighborhood

20 W Cowles St
Englewood, FL, 34223 · 34223 - Englewood

Market insights

Offer Insights

Choose an offer strength

List price: $395,000
$377,500 – $395,000
95.6% – 100% of listTops out right at the list price
80% of listList price
124 of the last 247 home closings in 34223 landed at this number or higher (50%). The median one sat 59 days before it went under contract, and this one is on day 54.

Sample: 247 closed home sales in 34223 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,575/mo
Principal & interest$2,060
Property taxes$318
Insurance$198
Down payment20% · $79,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$395,000

$210 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,885 sq ft

Time on market

54 days

Year built

1972

Monthly payment

About $2,575/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,813 annual tax bill, insurance.

Flood zone

Zone X500

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byKELLER WILLIAMS ISLAND LIFE REAL ESTATEListing agent: Amy NowickiListing data from Stellar MLS, MLS# D6148532.

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