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$349,900

Active

2048 5th St, Sarasota, FL 34237

2 beds · 1 bath · 912 sq ft

Listing courtesy of COLDWELL BANKER REALTY · MLS# A4700512

76 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

What’s special

  • picket fence
  • front porch
  • hardwood floors
  • built-in kitchen features
  • 8-foot ceilings
  • no HOA
  • X flood zone

AI-selected highlights from the listing description below.

Sweet Downtown Sarasota Cottage with Timeless Southern Charm - Charming, inviting, and full of character, this delightful 2-bedroom, 1-bath cottage captures the essence of old-Florida living in the heart of Downtown Sarasota. Framed by a classic picket fence and welcoming front porch, this is the kind of home that immediately feels special. Picture yourself relaxing with a glass of sweet tea on the porch, enjoying the easy pace of cottage living, then strolling to some of Sarasota’s wonderful restaurants, shops, galleries, and cultural destinations just beyond your doorstep. Inside, timeless details and thoughtful improvements create a warm and comfortable atmosphere. Beautiful hardwood floors grace the main living spaces, while built-in kitchen features add the character and charm that are increasingly hard to find in today’s homes. With 8-foot ceilings and an inviting layout, the home offers an appealing blend of vintage personality and everyday functionality. Numerous updates provide peace of mind, including new windows (2021), new refrigerator (2019), new washer and dryer (2019), new ceiling fans (2019), added insulation (2019), and new vinyl fencing (2019), roof is few years old and electric totally updated. Whether you’re searching for a charming primary residence, a Sarasota getaway, or an income-producing property, this cottage offers exceptional versatility. Located within Sarasota’s Downtown Neighborhood (DTN) district, the property is surrounded by the energy and convenience of downtown while retaining the intimate feel of a true neighborhood. There is no HOA and no CDD fee, and the property is located in the X flood zone, meaning flood insurance is not required by the lender based on the information provided. Enjoy downtown dining, shopping, art, entertainment, and cultural attractions virtually at your doorstep, with convenient access to bus routes and the beautiful Gulf beaches.

Facts

Property type
Single Family Residence
Year built
1960
Bathrooms
1 full
Living area
912 sqft
Lot size
0.11 acres
Private pool
No
Exposure
North
Furnished
Unfurnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$4,313/yr
Listed
Aug 9, 2026
MLS #
A4700512

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 2048 5TH ST. 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.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied — your down payment is 20% or more.

Estimated total monthly payment

$2,420

$1,769 of that is principal & interest. 27% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$1,769
Property taxes
$359
Homeowners insurance
$292
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$2,420

Over the life of the loan

Loan amount
$279,920
Down payment
$69,980
Total interest
$357,023
Principal + interest paid
$636,943
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

Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

2048 5th St, Sarasota, FL 34237

Listing courtesy of COLDWELL BANKER REALTY · MLS# A4700512 · Active

How would you like to see it?
Which day?
What time of day?

In person · Thu, Oct 29 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 9:34 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]