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$599,000

Active

3078 Spencer Ln, Sarasota, FL 34239

3 beds Β· 2 baths Β· 2,148 sq ft

Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE Β· MLS# N6146301

Listed today

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

About this home

MUST-SEE SOUTH GATE GEM β€” SOLD FURNISHED! Discover the charm, space, and convenience of this beautiful 3-bedroom, 2-bathroom home in the highly desirable South Gate neighborhood of Sarasota! Situated on an impressive 17,000+ square-foot lot, this centrally located property offers 2,148 square feet of living space, a spacious Florida room, and endless possibilities to make it your own. Best of all, the home is being sold furnished! Enjoy peace of mind with numerous recent updates, including new hurricane-impact windows, a new metal roof, a newer electrical panel, remodeled bathrooms, fresh exterior paint, and new plumbing and piping throughout the home. Both bathrooms are beautifully updated and add a stylish, modern touch. Built with durable concrete construction, this property offers plenty of room to spread out, entertain, garden, or create your own backyard oasis. The expansive lot even offers potential space for a pool! With no HOA or CDD fees, you'll enjoy added flexibility and fewer recurring expenses. Location is everything, and this home delivers! Just minutes from the beautiful sands of Siesta Key Beach, downtown Sarasota, Sarasota-Bradenton International Airport, University Town Center (UTC), shopping, restaurants, theaters, and vibrant nightlife, you'll be close to everything that makes Sarasota such a sought-after place to live. The seller has also obtained a recent wind mitigation report and four-point inspection, which may help when exploring homeowners insurance options. Whether you're searching for a full-time residence, a seasonal retreat, or a property with room to add your personal touch, this South Gate home is an opportunity you won't want to miss! Spacious lot. Beautifully updated bathrooms. Major improvements. Sold furnished. No HOA or CDD. An outstanding Sarasota opportunity!

Facts

Property type
Single Family Residence
Year built
1962
Living area
2,148 sqft
Lot size
0.39 acres
Private pool
No
Exposure
North
Furnished
Furnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$5,146/yr
Listed
Oct 21, 2026
MLS #
N6146301

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 β€” not a loan offer

Starting figures for 3078 SPENCER LN. 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

$3,957

$3,029 of that is principal & interest. 23% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$3,029
Property taxes
$429
Homeowners insurance
$499
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$3,957

Over the life of the loan

Loan amount
$479,200
Down payment
$119,800
Total interest
$611,193
Principal + interest paid
$1,090,393
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.

3078 Spencer Ln, Sarasota, FL 34239

Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE Β· MLS# N6146301 Β· Active

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

In person Β· Thu, Oct 22 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 21, 2026, 4:26 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]