$2,695,000
Active182 Island Cir, Sarasota, FL 34242
4 beds · 3 baths · 2,754 sq ft
Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4707894
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Enjoy the best of Siesta Key living from this Key West-style waterfront home on sought-after Palm Island, ideally located just a short walk from the powder-white sands of Siesta Key Beach and the shops, restaurants and entertainment of Siesta Key Village. Set along a quiet canal, this 4-bedroom, 2.5-bath residence offers a wonderful opportunity to enjoy the island lifestyle today while adding your own personal touches over time. The home features a functional, comfortable layout with generous living spaces and abundant natural light. Significant recent improvements include a brand-new roof along with impact-resistant windows and sliding glass doors throughout. The property has also remained high and dry with no history of flood damage. Outdoors, a pool overlooks the canal, creating an inviting setting for relaxing and entertaining. Boaters will appreciate the private dock and 8,000-lb boat lift, making it easy to take advantage of Siesta Key’s surrounding waterways. An adjacent county-owned vacant parcel provides additional separation and a welcome sense of privacy. With its combination of waterfront access, boating amenities, pool, privacy and proximity to both Siesta Key Beach and the Village, 182 Island Circle presents a compelling opportunity to create your own island retreat in one of Siesta Key’s most desirable residential neighborhoods.
Facts
- Property type
- Single Family Residence
- Year built
- 2004
- Living area
- 2,754 sqft
- Lot size
- 0.15 acres
- Waterfront
- Yes · 100 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- West
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $8,305/yr
- Listed
- Sep 28, 2026
- MLS #
- A4707894
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 182 ISLAND CIR. 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
$16,565
$13,627 of that is principal & interest. 18% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $13,627
- Property taxes
- $692
- Homeowners insurance
- $2,246
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $16,565
Over the life of the loan
- Loan amount
- $2,156,000
- Down payment
- $539,000
- Total interest
- $2,749,859
- Principal + interest paid
- $4,905,859
- 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.
182 Island Cir, Sarasota, FL 34242
Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4707894 · 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.
