Single Family Residence in PINE COVE, ENGLEWOOD · No CDD
PINE COVE · ENGLEWOOD, FL 34224 · Charlotte
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
3Bathrooms
3,312Sq Ft
2001Year Built
$521Per Sq Ft
WaterfrontPrivate pool2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
18% below
$/sq ft vs community
$521 here vs $638 median sold (12 mo)
Buyer leverage
Strong buyer advantage
27 days on market
18.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$6k–$13k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 9181 Lake Drive in Pine Cove, Englewood is listed at $1,725,000 (3,312 sq ft, about $521 per sq ft). It has been 27 days on market. Listing facts: built in 2001, a private pool, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2001 · 25 yrs
3,312 sq ft of living area
2-car garage
Listed at $1,725,000 — recent neighborhood median sale price ~$1,797,500 (nearby sales; deemed reliable, not an appraisal)
27 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Pine Cove
Pricing & the Pine Cove market
How this home is priced against recent nearby sales, and where Pine Cove has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2001BuiltPer public record
Aug 10, 2026First trackedObserved at $1,725,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$11,274/mo
Principal & interest $8,960/mo79%
Taxes $1,509/mo13%
Insurance $755/mo7%
HOA $50/mo0%
$11,274/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Charlotte County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $6,925/yr ($577/mo)
+$21,425 more each year
(+309%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$528,981
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
52/100
Strongest on: Price vs area (96), Affordability (57)
0 limited50100 exceptional
52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area96
This home $521/sq ft vs the community 12-month median $638/sq ft.
Affordability57
List price $1,725,000 vs the community median $1,797,500. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost34
From FEMA Zone AE and a 2001 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~18.0 months of supply (12-month record).
Renovation upside48
From a 2001 build and $521/sq ft vs the community median $638/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 18.0 months of supply in the surrounding market and 27 days on market for this home, against a 31-day area median.Days on market:this home 27Area median: 31 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2025. As of September 12, 2026.
🟡 Asking $521 per square foot, about 18% below the community’s $638 median. Pine Cove’s 12-month median sold price per square foot is $638. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 6 active listings in Pine Cove, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Experience the ultimate in gulf coast living with this beautiful 3-story Key West style home designed to capture a lifestyle defined by sun, water and effortless coastal luxury. Boating enthusiasts will appreciate the impressive waterfront setup complete w/2 covered boat lifts, davits and room for jet skis or skiff, providing effortless access to world-class fishing, sandy beaches, sunset cruises and deep-sea adventures. Enjoy direct canal-front access from this home, providing you quick passage with no bridges to the intercoastal and Gulf waters through Stump Pass.
This custom retreat embodies the Florida lifestyle and features expansive living spaces w/vaulted ceilings filled with natural light and multiple decks to enjoy coastal breezes from all 3 levels. At the top, a charming crow’s nest offers a unique flex space perfect for a home office, reading retreat or creative space all enhanced by private deck access with a one-of-a-kind vantage point that offers peek-a-boo views of the intercoastal and is perfect for sunrise coffee or sunset cocktails. Extensively renovated and thoughtfully updated, this exceptional home is a perfect blend of coastal style and everyday functionality.
Dual kitchens w/sleek quartz counters and stainless-steel appliances create the perfect setup for hosting or extended families. A split floor plan ensures comfort and privacy, while the elevator adds ease to daily living. The spacious primary suite is a true retreat, featuring sliding glass doors that open to a screened lanai, creating a seamless indoor-outdoor connection.
Dual w/i closets provide ample storage, while the luxurious en-suite bath offers a double-sink vanity, relaxing jetted tub, and a private water closet with a large walk-in shower. For added convenience, the suite also includes direct access to the generously sized laundry room. The 2-car garage offers more than just parking; it’s designed for versatility.
There’s additional room for a golf cart and includes a dedicated work bench for all your hobbies/projects. There’s no need to run upstairs for anything. The fully air-conditioned recreation space is designed for entertaining, complete with a convenient full bath and well-equipped kitchen featuring a refrigerator, microwave hookup, and dishwasher for easy cleanups.
Step outside to your own private resort-style oasis, where a large sport pool offers plenty of room for everyone, along with an outdoor shower and expansive gathering spaces perfect for both lively entertaining and peaceful relaxation. Whether hosting guests or enjoying an evening under the stars, this outdoor space embodies the Florida lifestyle. This extraordinary property delivers the perfect combination of luxury, function and coastal charm-where every day feels like a vacation and the water is always within reach.
Updates include but are not limited to new kitchens, carpeting, pool cage, composite decking, window treatments, lower bath refresh, Pool heater/Pump/Fascia tile, home mechanics, garage doors, boat lift and covers, motors for boat lifts, electrical to davits, most windows and exterior doors. Located in the quiet little enclave of Pine Cove with no HOA or Deed Restriction to hold you back. This home is set on a peaceful No-Through street adjacent to the Bill Coy Preserve offering water views both front and back.
Experience nature at its finest w/eagles nesting close by, roseate spoonbills, herons & egrets often sited & manatees and dolphins grace the canal.
Description provided by PARADISE EXCLUSIVE REAL ESTATE and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,725,000
Bed / bath3 / 3
Living area3,312 sq ft
Year built2001
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #D6148357
Listing status27 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~6 ft
Windstorm exposureLow
CountyCharlotte
Area listings6 active · 1 under contract
Estimated first-year tax~$18,112/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$521
Estimated monthly payment$11,274
Insurance (illustrative)$6k–$13k/yr
Comparable-sales median$1,797,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Listing agent: Julie Kay Fitzpatrick · 941-698-0303Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$1,858,032the mess$2,368,080
Actual list price: $1,725,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 2001 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
6 active listings competing, 1 under contract
≈18.0 months of supply
4 closed here in the last 12 months
For reference, this home is listed at $1,725,000 ($521/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 3,312 sq ft × $561–$715/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near PINE COVE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $1,725,000Momentum Realty · on market 27 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$18,112/yr
A rough first-year estimate only, applying a typical Charlotte rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$6k–$13k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~6 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 9181 LAKE DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by PARADISE EXCLUSIVE REAL ESTATE · MLS # D6148357
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Market data · public records
Recent sales activity in PINE COVE
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the PINE COVE neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$1,797,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$638
Canonical 12-month median $/sq ft. Reference only.
Go deeper on PINE COVE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Board approves height allowance increase at One Hernando Center
The Hernando County Commission unanimously approved raising the maximum building height from 60 feet to 85 feet for One Hernando Center, a 146-acre industrial distribution development east of Kettering Road in Brooksville. The added height accommodates automated storage and retrieval systems for uses such as cold storage and manufacturing.
Why it matters: A 146-acre industrial distribution park advances with taller warehouse capacity, adding to the area logistics and manufacturing footprint. The site is about 3 miles southeast of Pine Cove.
The Hernando County Board voted 4-0 on June 23 to approve two prototype fire station designs, a 3-bay and a 4-bay configuration, by KMF Architects at a Phase 1 design cost of about $296,902. The reusable prototypes are intended to speed and standardize future fire station construction countywide.
Why it matters: Standardized fire station prototypes aim to expedite future public safety facility construction across the county, supporting emergency service infrastructure as growth continues. The site is about 7 miles southeast of Pine Cove.
Schools currently assigned to this address in Charlotte County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Vineland ElementaryAssigned elementary school · Charlotte County School District · Grade A (Florida DOE 2025-26)
GRADEA
L.A. Ainger MiddleAssigned middle school · Charlotte County School District · Grade A (Florida DOE 2025-26)
GRADEA
Lemon Bay HighAssigned high school · Charlotte County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Aug 2026
$1,695,000
9240 PINE COVE DRIVE, ENGLEWOOD
3 / 4 bd/ba · 3,681 sq ft · $460/sq ft
Courtesy of ERA ADVANTAGE REALTY, INC. · View details →
Sold Feb 2026
$1,900,000
9300 GRIGGS ROAD, ENGLEWOOD
3 / 3 bd/ba · 2,332 sq ft · $815/sq ft
Courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · View details →
Community 12-month median: $638/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$7,906 – $11,500/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,598 – −$364At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 9181 Lake Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2001 (25 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Charlotte County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 3,312 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $18,112/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
ENGLEWOOD
Groceries, dining, and parks for this city — see the city guide.
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 9181 Lake Drive and when was it built?
Per the listing record, 9181 Lake Drive was built in 2001 and has 3,312 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 9181 Lake Drive in?
9181 Lake Drive is in Pine Cove in Englewood, Charlotte County. The community section on this page shows recent closed sales, days on market, and active inventory for Pine Cove from the same MLS data.
Does 9181 Lake Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 9181 Lake Drive differ from the current owner's?
The estimate on this page (about $18,112 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 9181 Lake Drive in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 9181 LAKE DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
