$1,100,000
Active296 Pine Ranch Trl, Osprey, FL 34229
5 beds · 3.5 baths · 3,354 sq ft
Listing courtesy of BEYOND REALTY LLC · MLS# A4704317
61 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Welcome to this rare slice of coastal paradise tucked away in the boutique enclave of Pine Ranch East in Osprey, Florida. Situated on a sprawling 1.137-acre private lot, this magnificent residence offers an extraordinary blend of space, serenity, and convenience. The property boasts five spacious bedrooms and three-and-a-half baths, providing a flexible layout designed to accommodate large families, host overnight guests, or create dedicated home office spaces. Every detail of the interior reflects thoughtful maintenance and pride of ownership, offering a seamless flow between the primary living areas. Designed for quintessential Florida living, the expansive backyard functions as your own private resort. Step out onto the oversized covered lanai to entertain year-round, or cool off in the crystal-clear heated pool and integrated spa while taking in the tranquil scenery of your secluded acreage. Despite the incredible privacy, you are just minutes away from pristine Gulf beaches and iconic local dining hot spots like Pops Sunset Grill and the Casey Key Fish House. Adding to the unmatched value of this property is its setting within Pine Ranch East, an exclusive neighborhood comprised of only 26 homes. While the community maintains an established HOA structure, homeowners enjoy the astonishing benefit of paying no HOA fees thanks to a unique financial setup that leaves the neighborhood fully funded years into the future. Contact us today to learn more about this remarkable community story or to schedule your private tour.
Facts
- Property type
- Single Family Residence
- Year built
- 1995
- Bathrooms
- 3 full, 1 half
- Living area
- 3,354 sqft
- Lot size
- 1.14 acres
- Private pool
- Yes
- Exposure
- North
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $10,159/yr
- Listed
- Aug 28, 2026
- MLS #
- A4704317
Virtual tour
- Property Panorama tourpropertypanorama.comView the virtual tour(opens propertypanorama.com in a new tab)
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 296 PINE RANCH TRL. 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
$7,325
$5,562 of that is principal & interest. 24% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $5,562
- Property taxes
- $847
- Homeowners insurance
- $917
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $7,325
Over the life of the loan
- Loan amount
- $880,000
- Down payment
- $220,000
- Total interest
- $1,122,391
- Principal + interest paid
- $2,002,391
- 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.
296 Pine Ranch Trl, Osprey, FL 34229
Listing courtesy of BEYOND REALTY LLC · MLS# A4704317 · 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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