$395,000
20 W COWLES STREET, ENGLEWOOD, FL 34223
Beds
4
Baths
3
Sq Ft
1,885 sq ft
Year Built
1972
Lot Size
0.16 acres
Garage
,
About This Property
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!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
SR776 to West on W. Cowles Street, home is on the right.
Location
20 W COWLES STREET, ENGLEWOOD, FL 34223
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$395,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $395,000 home in ENGLEWOOD.
🏛️
FHA Loan
$13,825 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$19,750 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Sarasota County SHIP
Varies
Income-qualifying Sarasota residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 23, 2026.