$525,000
Active4598 Cactus Ave, Sarasota, FL 34231
3 beds Β· 2 baths Β· 1,895 sq ft
Listing courtesy of RONNIE DEWITT AND ASSOCIATES Β· MLS# A4707912
Listed today
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Virtually Staged. Welcome to this updated three-bedroom, two-bath home in Flora Villa, tucked onto a quiet dead-end street beneath mature trees and spread across an oversized 0.29-acre lot. This charming home has curb appeal to spare with a sweeping front porch that invites you to sit a spell, and have a cold glass of ice tea. Inside, the one-story plan opens easily from a generous living room with a wood-burning fireplace through to the renovated kitchen, where granite counters, solid wood cabinetry, stainless appliances, and a breakfast nook make cooking and dining a real joy. A flexible bonus room works just as well as an office, den, playroom, or extra guest space, and waterproof, scratch-resistant vinyl plank flooring runs throughout the home. Both bathrooms have been renovated, the primary bath includes a fabulous spa shower plus a lovely vanity with double sinks, and both the primary as well as one of the guests bedrooms have roomy well organized walk-in closets. The backyard is where you will truly enjoy Florida living. The yard is fully fenced, the pavers create a true outdoor living floor, and the pergola turns the space into a shaded room for morning coffee, long dinners, and weekend gatherings without leaving home. It is private and perfect for pets and children, large enough to linger, and set up as an extension of the house rather than an afterthought. Out front, a French drain and gutter guards help keep the property tidy, and the exterior has fresh paint. The oversized side-load two-car garage includes an EV charger, newly painted floor, and a newer garage door opener. Practical updates continue inside with whole-house water filtration/water softener and reverse osmosis in the kitchen (sink and refrigerator), added attic insulation, whole-house surge protection, a newer washer, microwave, brand new garbage disposal, kitchen faucet, and laundry cabinet. There are no deed restrictions here, so you can make this home and lot your own without an association dictating paint colors, parking, or how you use your backyard. This home sits in FEMA Flood Zone X, which means it is mapped outside the high-risk floodplain. In practical terms, that is one of the strongest flood designations you can have in this part of Sarasota: federally backed lenders typically do not require flood insurance the way they do in coastal A and V zones, and the mapped flood risk is far lower than homes closer to the water. You still get a short drive to Siesta Key, Lido Beach, and St. Armands Circle, without taking on that high-risk beach flood zone. Bee Ridge Park is a walk away for playground time, sand volleyball, baseball, and basketball, and everyday shopping and dining line the Bee Ridge and Clark Road corridors. HCA Florida Sarasota Doctors Hospital is nearby on Bee Ridge Road, with Sarasota Memorial a short drive toward downtown. What really sets the location apart is how close the Gulf is: Siesta Keyβs world-famous quartz sand is a short drive west, Lido Beach and St. Armands Circle are close enough for an after-work sunset or a Saturday on the water, and downtown Sarasotaβs bayfront, dining, and arts scene is an easy trip when you want the city without living in the middle of it.
Facts
- Property type
- Single Family Residence
- Year built
- 1989
- Living area
- 1,895 sqft
- Lot size
- 0.29 acres
- Private pool
- No
- Exposure
- East
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,816/yr
- Listed
- 2026-09-30
- MLS #
- A4707912
Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 4598 CACTUS AVE. 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.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied β your down payment is 20% or more.
Estimated total monthly payment
$3,410
$2,655 of that is principal & interest. 22% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,655
- Property taxes
- $318
- Homeowners insurance
- $438
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,410
Over the life of the loan
- Loan amount
- $420,000
- Down payment
- $105,000
- Total interest
- $535,687
- Principal + interest paid
- $955,687
- 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.
4598 Cactus Ave, Sarasota, FL 34231
Listing courtesy of RONNIE DEWITT AND ASSOCIATES Β· MLS# A4707912 Β· Active
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.



