2428 WATERFRONT CIRCLE, SARASOTA, FL, 34240
Active15 days on marketListed Jul 9, 2026MLS #A4699079
About this home
2428 WATERFRONT CIRCLE
*Wake up to tranquil lake and preserve views—and end every day with spectacular Florida sunsets* Welcome to this exceptional luxury residence completed in 2025 in the highly sought-after community of Monterey at Lakewood Ranch. This transitional-style home is perfectly positioned on an oversized 13,138 sq. ft. homesite and offers 3,340 sq. ft. of thoughtfully designed living space with 4 bedrooms, 3 full bathrooms, a powder bath, a private office, and an oversized 3-car garage. Inside, the open-concept floor plan features soaring ceilings, tray ceilings in the foyer, great room, and primary suite, tile flooring throughout the main living areas and bathrooms, plush carpeting in all bedrooms, and designer cabinetry in elegant marine and light gray tones. Expansive picture windows and sliding glass doors fill the home with natural light while creating a seamless connection to the outdoor living space. Beyond the great room, outdoor living takes center stage with breathtaking west-facing lake and preserve views, exceptional privacy with no rear neighbors, and unforgettable Florida sunsets. The screened lanai features a marble pool deck surrounding a saltwater pool with a cascading waterfall, custom lighting, and a natural gas pool heater for rapid, year-round enjoyment. Two covered lanais provide the perfect setting for outdoor dining, relaxing and shaded seating, while the pre-plumbed outdoor kitchen area is ready for your custom design. Whole-house gutters and a fenced side yard complete this private outdoor retreat. The gourmet kitchen is a showpiece, featuring a premium appliance suite highlighted by a Sub-Zero refrigerator and KitchenAid stainless-steel appliances, including a natural gas cooktop. Bright quartz countertops, an oversized waterfall island, a custom dry bar with wine chiller, and a spacious walk-in pantry complete the space. Quartz countertops continue throughout all bathrooms for a cohesive designer finish, while the powder bath is enhanced with custom wallpaper. A separate laundry room offers built-in cabinetry along with a top of the range GE washer and dryer combination. The privately positioned primary suite offers a peaceful retreat, while the additional bedrooms provide flexibility for family, guests, or multigenerational living. This highly desirable Toll Brothers Ballast model offers all the advantages of new construction without the wait, including a transferable builder warranty. Hurricane-impact windows throughout provide durability, enhanced storm protection, energy efficiency, and peace of mind. Additional energy-efficient features include spray foam and masonry foam insulation, a tankless water heater with a recirculation pump for near-instant hot water, and natural gas service with the ability to easily add a whole-house generator. Residents of Monterey will enjoy a future resort-style amenity center anticipated to open in Fall 2027, featuring a resort-style pool, pickleball and tennis courts, walking trails, a dog park, and additional recreational amenities. Ideally located within the award-winning Lakewood Ranch master-planned community, the home is just minutes from top-rated schools, premier shopping, dining, and the Gulf Coast's renowned beaches. This exceptional residence combines luxury finishes, breathtaking sunset views, energy-efficient construction, and one of Monterey's most desirable homesites. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,340
Sqft
0.3 ac
Lot size
3
Garage
2025
Year built
One
Levels
$464
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.
$9,759 /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
$9,759/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.
vs edgeAI estimate
−15.8%
$/sqft vs Sarasota actives
$464 vs $329
Days on market
15 vs 58 typical
Where $464/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)
153 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 125% above the SARASOTA 34240 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 2428 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 · Jan ’26$1,091,000
2504 WATERFRONT CIRCLE
4 bd · 3.5 ba · 3,301 sqft · $331/sqft · 167 DOM
Sold · Oct ’25$1,125,000
2417 WATERFRONT CIRCLE
4 bd · 3.5 ba · 3,298 sqft · $341/sqft · 244 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 2428 WATERFRONT CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2428 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
2428 WATERFRONT CIRCLE FAQs
What would the monthly payment be for 2428 WATERFRONT CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,759/mo — principal and interest, the actual property-tax bill, the $373/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 2428 WATERFRONT CIRCLE?+
The association fee works out to $373 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2428 WATERFRONT CIRCLE?+
The most recent tax bill on record (2025) was $3,371. 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 2428 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 $1,550,000, this home is listed about 172% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2428 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
$1,550,000 runs 125% above the SARASOTA 34240 median — but at 3,340 sqft it's also nearly twice the size of 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 REALTY ONE GROUP MVP · Julia Gerold. MLS #A4699079.
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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