$640,000
Active4246 Hearthstone Dr, Sarasota, FL 34238
3 beds · 2 baths · 2,150 sq ft
Listing courtesy of EXP REALTY LLC · MLS# A4705937
12 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Beautiful Lake Views | Gated Huntington Pointe | Palmer Ranch. Welcome to this light-filled 3-bedroom home with a private den/office, nestled in the desirable gated community of Huntington Pointe in Palmer Ranch. Enjoy peaceful lake views, a thoughtfully designed split-bedroom floor plan, and the added peace of mind of a barrel-tile roof replaced in 2020, a new A/C system in 2022, and a water heater in 2023. Beautifully updated bathrooms, including an elegant primary suite, bring modern comfort and style. An additional third bathroom offers extra convenience, with the permitting process currently underway. Ceramic tile flooring flows throughout the main living areas, while rich wood flooring adds warmth and character to the versatile den. The inviting kitchen features granite countertops, a breakfast bar, and a charming breakfast nook overlooking the lake. Step outside to enjoy Florida’s indoor-outdoor lifestyle with a covered terrace and screened lanai — perfect for morning coffee, entertaining guests, or simply relaxing while taking in the tranquil waterfront scenery. An additional full bathroom featuring a walk-in shower, toilet, and vanity provides extra convenience for guests and family. Located in a well-established gated community with low annual HOA fees, this home offers privacy, comfort, and an exceptional Palmer Ranch location. The location is close to lots of shopping and restaurants, the Legacy biking and walking trail, Oscar Scherer State Park, Siesta Key's world-famous snow-white quartz sand beach, Nokomis Beach, churches, libraries, Pine View School for Gifted Students, and marinas and access to Sarasota Bay for boating, fishing, and kayaking to watch the manatees and dolphins. The new and original Sarasota Memorial Hospital campuses are not far away. Experience the perfect blend of relaxed Florida living, scenic lake views, and everyday convenience!
Facts
- Property type
- Single Family Residence
- Year built
- 1993
- Bathrooms
- 2 full
- Living area
- 2,150 sqft
- Lot size
- 0.2 acres
- Water view
- Yes
- Private pool
- No
- Exposure
- Southwest
- Furnished
- Furnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,524/yr
- Monthly fees
- $120/mo
- Listed
- Oct 15, 2026
- MLS #
- A4705937
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4246 HEARTHSTONE DR. 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
$4,267
$3,236 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
- $3,236
- Property taxes
- $377
- Homeowners insurance
- $533
- Flood insurance
- $0
- HOA / condo fees
- $120
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,267
Over the life of the loan
- Loan amount
- $512,000
- Down payment
- $128,000
- Total interest
- $653,028
- Principal + interest paid
- $1,165,028
- 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.
4246 Hearthstone Dr, Sarasota, FL 34238
Listing courtesy of EXP REALTY LLC · MLS# A4705937 · 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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