4431 CAMINO REAL, SARASOTA, FL, 34231
Active650 days on marketListed Oct 21, 2024MLS #A4626321
About this home
4431 CAMINO REAL
Move in Ready New Construction on Prime Lakefront Lot in exclusive Oyster Bay Estates. Welcome to modern luxury living, safely outside the flood zone and offering a refined alternative to barrier island life. This brand-new contemporary masterpiece combines striking architectural design with uncompromising quality construction. Built with solid block construction, impact windows, and dramatic 10-foot impact sliders throughout, this home delivers both beauty and peace of mind. Step inside through the beautiful Mahogany front door to soaring ceilings up to 21 feet and wide-plank French oak flooring that flows throughout the light-filled living spaces. The gourmet kitchen is a chef’s dream, featuring a Thermador Professional Series appliance package with a dual-fuel gas range, plus an oversized island perfect for entertaining and everyday gathering. The thoughtful split floor plan offers 4 bedrooms, 4.5 bathrooms, and a versatile den — ideal for privacy and flexible living. From the moment you walk in, the sparkling lake and resort-style pool take center stage, setting the tone for effortless Florida living. Enjoy alfresco dining and relaxing evenings in the covered outdoor kitchen and seating area overlooking the water. Additional highlights include an oversized 3-car side-load garage, full irrigation system, and a whole-house generator for added convenience and security. Energy-efficient features include Icynene spray foam insulation and a multi-zone HVAC system with advanced filtration — smart, sustainable comfort year-round. Ideally situated in a top-rated school district, this exceptional home offers the perfect blend of luxury, convenience, and safety. Close to the award winning beaches of Siesta Key without all the day to day traffic and also easy access to downtown. Come experience Sarasota living at its finest.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,787
Sqft
0.42 ac
Lot size
3
Garage
2026
Year built
One
Levels
$1,162
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 — not generic estimates.
$26,504 /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
$26,504/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
+91.9%
$/sqft vs OYSTER BAY ESTATES
$1,162 vs $1,229
Days on market
650 vs 58 typical
Where $1,162/sqft sits among the 6 homes for sale in OYSTER BAY ESTATES
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 Oyster Bay Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
Oyster Bay Estates — neighborhood snapshot
Population
427
Median age
45
Median home value
$1,522,100
Avg household
2
Households w/ children
50%
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)
3 of 6
OYSTER BAY ESTATES have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2062% above the SARASOTA 34231 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 4431 CAMINO REAL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$2,768,500
4439 WESTWOOD LANE · same community
4 bd · 3.5 ba · 3,777 sqft · $733/sqft · 245 DOM
Sold · Feb ’26$2,140,000
4505 CAMINO REAL · same community
4 bd · 4.5 ba · 3,502 sqft · $611/sqft · 38 DOM
Sold · Jul ’26$4,100,000
1815 S LAKE SHORE DRIVE · same community
5 bd · 4.5 ba · 4,177 sqft · $982/sqft · 40 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4431 CAMINO REAL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4431 CAMINO REAL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4431 CAMINO REAL FAQs
What would the monthly payment be for 4431 CAMINO REAL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $26,504/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4431 CAMINO REAL?+
The most recent tax bill on record (2025) was $11,422. 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 4431 CAMINO REAL?+
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 $4,400,000, this home is listed about 672% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4431 CAMINO REAL?+
Phillippi Shores Elementary School (elementary), Brookside Middle School (middle), Riverview 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
$4,400,000 runs 2062% above the SARASOTA 34231 median — but at 3,787 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.
03Time on market is leverage
650 days on market against a Sarasota median of 58 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Phillippi Shores Elementary School, Brookside Middle School, Riverview High School — Phillippi Shores Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $6,975,000, now $4,400,000 — a $2.6M cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Ryan Carson. MLS #A4626321.
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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