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$725,000

Active

120 Whispering Sands Dr #V20, Sarasota, FL 34242

3 beds Β· 3 baths Β· 1,640 sq ft

Listing courtesy of COLDWELL BANKER REALTY Β· MLS# A4707425

Listed today

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

About this home

RARELY AVAILABLE & EXQUISITELY REMODELED! Discover an exceptional 3 bedroom/3 bath freestanding villa with 2-car garage in Whispering Sands, Siesta Key’s coveted resort style GULF FRONT community on 800’ of private beach! Completely gutted and reimagined in 2016, this remarkable residence showcases creative design, quality finishes, and meticulous attention to detail throughout. An impressive 1,640 square feet of interior living space unfolds beneath soaring vaulted ceilings, with an open concept layout designed for effortless living and entertaining. The expansive 16' x 22' living room is delightfully complemented by sophisticated indirect LED illumination. Beautiful ceramic plank flooring flows throughout. The spacious entertainer’s kitchen combines style and function with granite countertops, a generous breakfast bar, soft close cabinetry & pullout drawers, LG and Bosch stainless appliances, and recessed and pendant lighting. The spacious primary suite offers two closets – a custom walk-in and a separate built-in. The third bedroom could also easily function as a home office, featuring a built-in desk, shelving, and custom closet. All three beautifully remodeled bathrooms feature granite counters, soft close cabinetry, tiled glass-enclosed walk-in showers, recessed lighting, and/or skylights. Two out of three bathrooms are ensuite β€” a rare advantage. All 2016 hurricane impact windows and sliders. Extend your entertaining outdoors into the private fenced brick paver patio, complete with a gas grill, with propane tank and gas hookup. The epoxy finished 2-car garage includes a full size LG washer and dryer, utility sink, workbench and shelving – and plenty of space for your bikes and beach essentials. Enjoy the Whispering Sands lifestyle. Just around the corner from famous Siesta Key Village, this 55+ Gulf front community includes 800’ of private quartz sand beach, two heated pools, clubhouse (currently undergoing complete remodeling), beachside Tiki Hut, shuffleboard, and canoe/kayak storage. Don’t miss this distinctive villa offering exceptional space, privacy, and effortless coastal living!

Facts

Property type
Villa
Year built
1968
Living area
1,640 sqft
Waterfront
Yes Β· 800 ft
Water access
Beach, Beach - Access Deeded, Gulf/Ocean, Lagoon
Private pool
No
Exposure
West
Furnished
Negotiable
Flood zone
AE
CDD
No
55+ community
Yes
Annual taxes
$6,525/yr
Monthly fees
$1,793/mo
Listed
Sep 24, 2026
MLS #
A4707425

Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 120 WHISPERING SANDS DR #V20. 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 β€” 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 β€” 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 β€” your down payment is 20% or more.

Estimated total monthly payment

$6,607

$3,666 of that is principal & interest. 45% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$3,666
Property taxes
$544
Homeowners insurance
$604
Flood insurance
$0
HOA / condo fees
$1,793
Mortgage insurance (PMI)
$0
Total per month
$6,607

Over the life of the loan

Loan amount
$580,000
Down payment
$145,000
Total interest
$739,758
Principal + interest paid
$1,319,758
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 β€” 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 β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

120 Whispering Sands Dr #V20, Sarasota, FL 34242

Listing courtesy of COLDWELL BANKER REALTY Β· MLS# A4707425 Β· Active

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

In person Β· Sat, Oct 24 Β· Morning (9-12)

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

Where this home is

Opens on aerial β€” 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 23, 2026, 5:41 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. Β· [email protected]