
2629 WATERFRONT CIRCLE, SARASOTA, FL, 34240
Active32 days on marketListed Jun 22, 2026MLS #A4696784
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
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.
$7,687 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,687/mo
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
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
Drive times from this address
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
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)
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
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.
Sold · Jan ’26$1,588,000
2421 WATERFRONT CIRCLE · same community
4 bd · 5.5 ba · 4,695 sqft · $338/sqft · 0 DOM
Sold · Mar ’26$1,000,000
2612 WATERFRONT CIRCLE
4 bd · 3.5 ba · 2,828 sqft · $354/sqft · 88 DOM
Sold · 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.

Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2629 WATERFRONT CIRCLE — start here.

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 Steeve'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.
Keep looking
Similar homes nearby
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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