4540 ASCOT CIRCLE N, SARASOTA, FL, 34235
Pending153 days on marketListed Mar 1, 2026MLS #TB8481018
About this home
4540 ASCOT CIRCLE N
Rarely available 2-bedroom/2-bath home with a single-car garage is seeking a new owner. For the convenience of the Seller, the property is sold furnished. Off the beaten path, discover the quiet, well-established neighborhood of Tivioli, where this particular home is surrounded by mature trees and offers a bonus water view. If you are seeking rural quiet with urban conveniences, 4540 Ascot Circle N offers the best of both worlds. The HVAC is from 2023, and the Water Heater is from 2024; hurricane shutters are stored in the 1-car garage. Oodles of storage closets and an inside laundry room with a full-size washer/dryer. This estate sale is ready to close. The location offers immense privacy, yet quick access to urban shopping, restaurants, beaches, and recreational activities. Tivoli is located in Sarasota County, just south of the University Corridor, the shopping mecca and community event hub for local enjoyment. It is NOT a secret that the HOA fees include exterior insurance, roof, exterior maintenance and repairs, grounds and irrigation maintenance, and pest control. Although zoned as a single-family home, the community is managed as a condominium, meaning the owner is responsible for "paint-in" only. Neighbors love the location, mature trees, walking trails, and easy maintenance. Hustle to your phone and call for your private showing. Time is a-wasting!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,447
Sqft
0.09 ac
Lot size
1
Garage
1986
Year built
One
Levels
$190
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$2,947 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,947/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−11.7%
$/sqft vs Sarasota actives
$190 vs $328
Days on market
153 vs 58 typical
Where $190/sqft sits among the 400 Sarasota actives
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 Longwood
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
Longwood — neighborhood snapshot
Population
617
Median age
54
Median income
$123,095
Median home value
$411,371
Avg household
2
Households w/ children
78%
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sarasota market
$470K → $470K
Sarasota median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
145 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 20% above the SARASOTA 34235 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 4540 ASCOT CIRCLE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$425,000
4715 TIVOLI AVENUE · same community
3 bd · 2 ba · 1,933 sqft · $220/sqft · 152 DOM
Sold · Jan ’26$375,000
5289 TIVOLI AVENUE · same community
3 bd · 2.5 ba · 1,942 sqft · $193/sqft · 123 DOM
Sold · Mar ’26$520,000
4480 S ASCOT CIRCLE · same community
4 bd · 3 ba · 2,406 sqft · $216/sqft · 106 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.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4540 ASCOT CIRCLE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4540 ASCOT CIRCLE N — 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.
Straight answers
4540 ASCOT CIRCLE N FAQs
What would the monthly payment be for 4540 ASCOT CIRCLE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,947/mo — principal and interest, the actual property-tax bill, the $894/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 4540 ASCOT CIRCLE N?+
The association fee works out to $894 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4540 ASCOT CIRCLE N?+
The most recent tax bill on record (2025) was $1,824. 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 4540 ASCOT CIRCLE N?+
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 $275,000, this home is listed about 52% below the Sarasota median of $570,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4540 ASCOT CIRCLE N?+
Booker Middle School (middle), Emma E. Booker Elementary School (elementary), Booker High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$275,000 runs 20% above the SARASOTA 34235 median.
02Garden & Park/Greenbelt & Trees/Woods & Water views
The garden and park/greenbelt and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $894/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
153 days on market against a Sarasota median of 58 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $300,000, now $275,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BROCK REALTY INC. · Lynn Brock. MLS #TB8481018.
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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