$1,067,000
Active528 Ralph St, Sarasota, FL 34242
2 beds · 2 baths · 1,796 sq ft
Can tour today — We can usually have an agent meet you here within a couple of hours. Call (941) 474-5585
Listing courtesy of MARK SPAIN REAL ESTATE · MLS# TB8554360
26 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Virtually Staged. WATERFRONT OPPORTUNITY ON SIESTA KEY! ATTENTION BUILDERS, INVESTORS AND BUYERS: Turnkey waterfront property offering coastal living and excellent potential. This move-in-ready home comfortably accommodates up to eight guests and features durable terrazzo flooring throughout, recently completed exterior paint (2025), an updated kitchen with Corian countertops, extensive cabinetry and a new gas range, plus renovated bathrooms with clean, modern finishes and replacement windows. Enjoy a newer seawall and direct boat access to open water with just one bridge. The property also features a newly constructed front deck, parking for up to six vehicles and a converted garage/storage area ideal for beach equipment, bicycles and tools. A flexible bonus space could be used as a third bedroom, art studio, sunroom or home office. There is ample room to add an in-ground pool, subject to buyer verification and applicable approvals. Located on a street with surrounding homes reportedly valued up to $7 million, this property is well suited for investors, seasonal residents or anyone seeking a low-maintenance, lock-and-leave coastal home.
Facts
- Property type
- Single Family Residence
- Year built
- 1958
- Bathrooms
- 2 full
- Living area
- 1,796 sqft
- Lot size
- 0.2 acres
- Waterfront
- Yes · 88 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- No
- Exposure
- North
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $11,096/yr
- Listed
- Oct 2, 2026
- MLS #
- TB8554360
Price & status history
- Listed for $1,100,000
- Price reduced to $1,067,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 528 RALPH 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
$7,209
$5,395 of that is principal & interest. 25% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $5,395
- Property taxes
- $925
- Homeowners insurance
- $889
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $7,209
Over the life of the loan
- Loan amount
- $853,600
- Down payment
- $213,400
- Total interest
- $1,088,720
- Principal + interest paid
- $1,942,320
- 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.
528 Ralph St, Sarasota, FL 34242
Listing courtesy of MARK SPAIN REAL ESTATE · MLS# TB8554360 · 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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