Eric Chery
$1,199,0004 bd3.5 ba2,828 sqft$424 /sqft$7,687 /mo all-in ↓

2629 WATERFRONT CIRCLE, SARASOTA, FL, 34240

Active32 days on marketListed Jun 22, 2026MLS #A4696784

New constructionWaterfrontSingle Family ResidenceMONTEREY/LAKEWOOD RANCH

About this home

2629 WATERFRONT CIRCLE

**Rare Never-Occupied Lakefront Selby in Monterey at Lakewood Ranch** Experience a rare ready-now opportunity in Monterey at Lakewood Ranch with this never-occupied Toll Brothers Selby. This 4-bedroom, 3.5-bath Transitional-style residence offers the appeal of new construction without the current build wait. Set on a premium lakefront homesite with no neighbor directly behind, the home offers a peaceful waterfront backdrop and a greater sense of privacy than many traditional homesites. For buyers seeking immediate ownership in Monterey, this property presents a compelling opportunity in a community where no quick move-in homes are currently available. The Selby floor plan was designed for beauty, function, and sophistication, with the refined flow luxury buyers expect. A grand foyer creates a memorable first impression and leads into an open great room designed for gathering, natural light, and everyday comfort. The kitchen overlooks the casual dining area and great room, creating a central living space that feels equally suited for entertaining, hosting guests, or enjoying quiet evenings at home. A large center island, generous cabinet and counter space, and walk-in pantry further enhance the kitchen’s livability. The primary suite offers a private retreat with dual walk-in closets and a relaxing bath featuring dual sinks, a luxe shower, linen storage, and a private water closet. Two secondary bedrooms include roomy closets and share a hall bath, while an additional secondary bedroom features a walk-in closet and private bath, creating excellent flexibility for guests, family, or work-from-home needs. The covered lanai extends the home’s living space outdoors and is accessed from the great room through multi-slide doors, allowing the lakefront setting to become part of daily living. Premium selections include an alternate kitchen layout, epoxy-coated garage floor, whole-house gutters, spray foam insulation, masonry core foam insulation package, pool prep package, and outdoor kitchen prep package. Monterey at Lakewood Ranch is a private gated Toll Brothers community designed around luxury homes, natural Florida ponds and lakes, and an elevated amenity lifestyle. Future community amenities are planned to include a resort-style pool, tennis courts, pickleball courts, fitness center, walking trails, dog park, open green space, and more. Located within the highly regarded Lakewood Ranch area, Monterey offers access to the broader lifestyle the region is known for, including nearby dining, shopping, recreation, events, golf, polo, and Gulf Coast beaches. For the buyer who wants a never-occupied Toll Brothers home, lakefront setting, no rear neighbor, documented upgrades, and the ability to move without waiting for a future build, this Selby residence is an exceptional opportunity in Monterey at Lakewood Ranch.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,828

Sqft

0.23 ac

Lot size

3

Garage

2026

Year built

One

Levels

$424

Per sqft

WaterfrontPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Gas Water Heater · Microwave · Range Hood
InteriorCoffered Ceiling(s) · Smart Home · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryGas Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationBlock
FacesEast
ExteriorIrrigation System · Rain Gutters · Sidewalk

Community & fees

HOA fee$352/mo
Taxes (2025)$3,070/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Natural Gas Available · Natural Gas Connected · Private · Sewer Available · Sewer Connected · Sprinkler Recycled · Street Lights · Underground Utilities · Water Available · Water Connected
WaterCanal/Lake For Irrigation

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$7,687 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,470
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$256
HOA fee — from the listing$352
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $119,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $119,900
Interest rate6.00%
Loan term

Estimated payment

$7,687/mo

Principal & interest$6,470
PMI (est., until 20% equity)$450
Property taxes (actual bill)$256
HOA / condo fee$352
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Sarasota actives

$424 vs $325

Days on market

32 vs 58 typical

Where $424/sqft sits among the 400 Sarasota actives

228
66 · this home
29
26
19
32
$149–384$384–618$618–853$853–1088$1088–1322$1322+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Sarasota

Map of 2629 WATERFRONT CIRCLE

Drive times from this address

Downtown Tampa70 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Sarasota. See the full Sarasota guide →

SARASOTA 34240 — neighborhood snapshot

Population

16,356

Median age

51.4

Median income

$126,048

Median home value

$622,100

Avg household

2.55

Households w/ children

1,604

For the school run

Sarasota County School District

ElementaryTatum Ridge Elementary School★★★★
MiddleMcIntosh Middle School★★★★★
HighBooker High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Sarasota market

Seller’s marketBalanced6.0 months of inventoryBuyer’s market

$470K$470K

Sarasota median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

148 of 400

Sarasota actives have cut their price

Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 73% above the SARASOTA 34240 median. See the full Sarasota market guide →

Paper trail

This home's history

Jun 22, 2026Listed at $1,199,000 · 32 days on market since
2026Built · MONTEREY/LAKEWOOD RANCH

Reality check

What actually sold near 2629 WATERFRONT CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2421 WATERFRONT CIRCLESold · Jan ’26

$1,588,000

2421 WATERFRONT CIRCLE · same community

4 bd · 5.5 ba · 4,695 sqft · $338/sqft · 0 DOM

2612 WATERFRONT CIRCLESold · Mar ’26

$1,000,000

2612 WATERFRONT CIRCLE

4 bd · 3.5 ba · 2,828 sqft · $354/sqft · 88 DOM

2573 WATERFRONT CIRCLESold · Apr ’26

$980,000

2573 WATERFRONT CIRCLE

4 bd · 3.5 ba · 2,828 sqft · $347/sqft · 135 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2629 WATERFRONT CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2629 WATERFRONT CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

2629 WATERFRONT CIRCLE FAQs

What would the monthly payment be for 2629 WATERFRONT CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,687/mo — principal and interest, the actual property-tax bill, the $352/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 2629 WATERFRONT CIRCLE?+

The association fee works out to $352 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2629 WATERFRONT CIRCLE?+

The most recent tax bill on record (2025) was $3,070. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 2629 WATERFRONT CIRCLE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Sarasota?+

At $1,199,000, this home is listed about 110% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2629 WATERFRONT CIRCLE?+

Tatum Ridge Elementary School (elementary), McIntosh Middle School (middle), Booker High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,199,000 runs 73% above the SARASOTA 34240 median — but at 2,828 sqft it's also 69% larger than the typical Sarasota listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Tatum Ridge Elementary School, McIntosh Middle School, Booker High School — Tatum Ridge Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of QUARTZ COAST REALTY INC · Joy Eakins. MLS #A4696784.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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