$310,990
Active1650 East Bay St, Sarasota, FL 34238
3 beds · 3 baths · 1,464 sq ft
Listing courtesy of D.R. HORTON REALTY OF SARASOTA · MLS# A4709608
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Under Construction. Receive up to $10,000 towards closing costs & special interest rates with the use of our preferred lender. Experience comfortable, low-maintenance townhome living at The Gardens at Bay Street. Offering open-concept floor plans, energy-efficient features and high-end finishes, this townhome community is perfect for many lifestyles. The Pearson floor plan offers spacious, modern living with 3 bedrooms, 2.5 bathrooms, and a 1-car garage with 2-car driveways. Step inside and discover an open-concept layout designed for today’s lifestyle, complemented by high-end finishes and energy-efficient features throughout. The kitchen comes equipped with a stainless-steel appliance package, including a range, microwave, refrigerator, dishwasher, and laundry machines. Quartz countertops in both the kitchen and bathrooms add an elegant finishing touch. All-concrete-block construction is utilized for both the first and second floor. Make The Gardens At Bay Street Your Home!
Facts
- Property type
- Townhouse
- Year built
- 2027
- Living area
- 1,464 sqft
- Lot size
- 0.04 acres
- Private pool
- No
- Exposure
- Northwest
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Monthly fees
- $164/mo
- Listed
- Oct 14, 2026
- MLS #
- A4709608
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1650 EAST BAY ST. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
EstimateAssumes 1.2% of price. Charlotte and Sarasota county bills vary with millage, CDD assessments, and whether the home is homesteaded.
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
$2,307
$1,573 of that is principal & interest. 32% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,573
- Property taxes
- $311
- Homeowners insurance
- $259
- Flood insurance
- $0
- HOA / condo fees
- $164
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,307
Over the life of the loan
- Loan amount
- $248,792
- Down payment
- $62,198
- Total interest
- $317,320
- Principal + interest paid
- $566,112
- 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.
1650 East Bay St, Sarasota, FL 34238
Listing courtesy of D.R. HORTON REALTY OF SARASOTA · MLS# A4709608 · 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.
