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$625,000

Active

4106 Hearthstone Dr, Sarasota, FL 34238

3 beds · 2 baths · 2,137 sq ft

Listing courtesy of HARRY ROBBINS ASSOC INC · MLS# A4708189

1 day on market

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

About this home

Welcome to Huntington Pointe in the heart of Palmer Ranch, an established gated community featuring mature landscaping, tree-lined streets, scenic lakes and no CDD fee. With a low HOA of approximately $420 per quarter, this is an excellent opportunity to enjoy gated Palmer Ranch living with remarkably reasonable community fees. This 3-bedroom, 2-bath pool home is positioned on a beautiful panoramic lakefront homesite and features a desirable split-bedroom floor plan designed around Florida indoor/outdoor living. Separate living and dining rooms lead to a spacious family room with cathedral ceilings and fireplace, while views toward the lanai, pool and lake create an open, inviting setting. The island kitchen features granite countertops and a pass-through window to the screened lanai and pool, making entertaining easy. Step outside to your own private saltwater pool, expansive screened lanai and peaceful lake views—an ideal setting for relaxing or entertaining year-round. Thoughtful upgrades and designer finishes are found throughout the home, including light switches and hardware from acclaimed British design brand Buster + Punch. Significant recent improvements include a new tile roof in May 2024 with transferable warranty, new A/C system in 2025, tankless water heater, saltwater pool conversion, fresh interior and exterior paint, new LED recessed lighting, and custom epoxy flooring in the guest bedrooms. Wide-plank tile flooring extends throughout the main living areas and primary bedroom. The primary suite features two walk-in closets and a beautifully updated spa-inspired bath finished with Calacatta and Carrara marble, dual vanities, a frameless glass shower and freestanding soaking tub. The location is hard to beat. Legacy Trail access is nearby, providing miles of paved trails for biking, walking and running. Potter Park and the YMCA are also close by, along with shopping, dining, golf, parks and everyday conveniences throughout Palmer Ranch. Siesta Key and its world-renowned beaches are just a short drive away, with downtown Sarasota easily accessible as well. Private saltwater pool, panoramic lake views, designer finishes, major recent improvements, low HOA, no CDD and a gated Palmer Ranch location—this home brings together many of the features today’s Sarasota buyers are looking for.

Facts

Property type
Single Family Residence
Year built
1992
Living area
2,137 sqft
Lot size
0.24 acres
Waterfront
Yes · 28 ft
Water view
Yes
Private pool
Yes
Exposure
West
Furnished
Unfurnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$6,083/yr
Monthly fees
$140/mo
Listed
2026-10-01
MLS #
A4708189

Virtual tour

Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 4106 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

$4,328

$3,160 of that is principal & interest. 27% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$3,160
Property taxes
$507
Homeowners insurance
$521
Flood insurance
$0
HOA / condo fees
$140
Mortgage insurance (PMI)
$0
Total per month
$4,328

Over the life of the loan

Loan amount
$500,000
Down payment
$125,000
Total interest
$637,722
Principal + interest paid
$1,137,722
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.

4106 Hearthstone Dr, Sarasota, FL 34238

Listing courtesy of HARRY ROBBINS ASSOC INC · MLS# A4708189 · Active

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

In person · Sat, Oct 3 · Morning (9-12)

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

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.

Similar homes

Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 2, 2026, 8:53 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. · [email protected]