$2,995,000
Active1045 W Tocobaga Ln E, Sarasota, FL 34236
4 beds · 4.5 baths · 4,340 sq ft
Listing courtesy of PREFERRED SHORE LLC · MLS# A4711754
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Virtually Staged. Tucked away within the exclusive gated enclave of Tocobaga Bay, this distinctive Sarasota residence offers a rare combination of privacy, space, and convenience just moments from downtown. Set on an extraordinary three-quarter-acre double lot, the property is surrounded by mature trees and lush tropical landscaping, creating a secluded retreat in one of Sarasota’s most desirable bayfront neighborhoods. Offering approximately 4,340 square feet of living space, the custom home features four bedrooms, including a gracious primary suite with bay views and three additional bedrooms with fully updated en-suite bathrooms, one half bath, soaring ceilings, and generously proportioned rooms designed for relaxed everyday living and elegant entertaining. Recent improvements bring fresh sophistication to the interiors, with new flooring throughout: natural stone across the main level, wide-plank natural hardwood in the formal living room, hardwood on the staircase and upper landing and in the primary bedroom, and new carpeting in the bedrooms. Beautiful new lighting in the stairwell and dining room adds an updated finishing touch. Expansive windows and French doors welcome abundant natural light and frame views of the verdant grounds, pool, and the gleaming waters of Sarasota Bay. Formal living room with a fireplace adds warmth and architectural character and the dining room provides a gracious setting for entertaining, while the kitchen and family dining adjoins an expansive family room just steps from the private swimming pool and spa. Outdoor living is equally inviting. An expansive covered veranda offers ample room for alfresco dining, quiet mornings, and gatherings with friends, overlooking the mature landscaping encompassing your own personal secret garden. With its exceptional lot size and tranquil setting, the property feels worlds away from the city, yet everything Sarasota represents is close at hand. The generously sized primary suite includes a private balcony with expansive views toward Sarasota Bay, while additional bedrooms feature en-suite bathrooms. An elevator connecting the garage and both living levels adds convenience, and the remarkable five-car garage provides flexibility for car enthusiasts, storage, and hobbies. Tocobaga Bay residents enjoy the privacy of a gated community and access to a community waterfront dock and gathering area overlooking Sarasota Bay. The location puts downtown Sarasota’s renowned dining, boutiques, galleries, theaters, and The Bay waterfront park within easy reach, with St. Armands Circle and the beaches of Lido Key just a short drive away. An uncommon opportunity to enjoy estate-sized grounds, gracious architecture, refreshed interiors, and a coveted urban coastal lifestyle—all in the heart of Sarasota.
Facts
- Property type
- Single Family Residence
- Year built
- 1992
- Bathrooms
- 4 full, 1 half
- Living area
- 4,340 sqft
- Lot size
- 0.76 acres
- Water access
- Bay/Harbor
- Water view
- Yes
- Private pool
- Yes
- Exposure
- West
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $29,171/yr
- Monthly fees
- $333/mo
- Listed
- Nov 3, 2026
- MLS #
- A4711754
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1045 W TOCOBAGA LN E. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$20,404
$15,144 of that is principal & interest. 26% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $15,144
- Property taxes
- $2,431
- Homeowners insurance
- $2,496
- Flood insurance
- $0
- HOA / condo fees
- $333
- Mortgage insurance (PMI)
- $0
- Total per month
- $20,404
Over the life of the loan
- Loan amount
- $2,396,000
- Down payment
- $599,000
- Total interest
- $3,055,966
- Principal + interest paid
- $5,451,966
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
Take a tour
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1045 W Tocobaga Ln E, Sarasota, FL 34236
Listing courtesy of PREFERRED SHORE LLC · MLS# A4711754 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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