435 S GULFSTREAM AVENUE UNIT 1004, SARASOTA, FL, 34236
Active278 days on marketListed Nov 3, 2025MLS #A4670726
About this home
435 S GULFSTREAM AVENUE UNIT 1004
One or more photo(s) has been virtually staged. Welcome to waterfront living at Regency House, nestled in the heart of Sarasota on a serene, tree-lined street—ideally located between Gulfstream and Palm Avenue. Enjoy sweeping views of Sarasota Bay, breathtaking sunsets, and effortless walkability to the city’s premier dining, shopping, cultural attractions, and the bayfront. This beautifully updated 1,829 sq. ft. residence is designed with both style and function in mind, featuring a spacious split floor plan that maximizes privacy. The living room opens to spectacular north- and west-facing views, where sparkling city lights, Marina Jack’s Park, and Sarasota Bay create a stunning backdrop. Thoughtfully integrated shelving adds versatility and easily adapts to a dedicated home office set up. Modern upgrades include new flooring, a fresh neutral palette, and a sleek kitchen with stainless LG appliances and a Bosch induction cooktop. With abundant storage and generous counter space, the designer kitchen is ready for everything from casual meals to lively entertaining. Each bedroom is a private retreat, offering gorgeous sunset views, updated baths, and abundant closet space—including brand-new California Closet custom buildouts. A full size, in-residence washer and dryer make this home as practical as it is luxurious and a versatile bonus/storage room provides additional flexibility for work, hobbies, or extra belongings. Enjoy Resort-style amenities and maintenance free living: a heated pool, fitness center, stylish club room with catering kitchen, and the peace of mind of 24/7 concierge service and a professional on-site manager provide ease of living just steps from the beautiful waterfront. This residence offers a fabulous lifestyle just moments from Marina Jack, boutique shopping and world -class dining, Opera and Theatre, Whole Foods, St. Armands Circle and Lido Beach. Enjoy the best of the Gulf Coast and peace of mind at Regency House. The building maintains healthy reserves and has completed the Milestone Inspection and Structural Integrity Reserve. Don’t miss this rare opportunity to experience vibrant downtown living with every convenience right at your doorstep.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,829
Sqft
1972
Year built
One
Levels
$489
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.
$6,226 /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
$6,226/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
−41.3%
$/sqft vs Sarasota actives
$489 vs $345
Days on market
278 vs 62 typical
Where $489/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 South Palm Avenue Residents
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
South Palm Avenue Residents — neighborhood snapshot
Population
637
Median age
76
Median income
$138,472
Median home value
$1,023,600
Avg household
2
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
$475K → $493K
Sarasota median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
161 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 9% above the SARASOTA 34236 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 435 S GULFSTREAM AVENUE UNIT 1004
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$600,000
435 S GULFSTREAM AVENUE UNIT 1103 · same community
2 bd · 2 ba · 1,424 sqft · $421/sqft · 60 DOM
Sold · Aug ’25$89,999
2300 AARON STREET UNIT 211 · same community
2 bd · 2 ba · 919 sqft · $98/sqft · 6 DOM
Sold · Feb ’26$100,000
2300 AARON STREET UNIT 106 · same community
2 bd · 2 ba · 919 sqft · $109/sqft · 65 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 435 S GULFSTREAM AVENUE UNIT 1004 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 435 S GULFSTREAM AVENUE UNIT 1004 — 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
435 S GULFSTREAM AVENUE UNIT 1004 FAQs
What would the monthly payment be for 435 S GULFSTREAM AVENUE UNIT 1004?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,226/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 435 S GULFSTREAM AVENUE UNIT 1004?+
The most recent tax bill on record (2025) was $10,813. 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 435 S GULFSTREAM AVENUE UNIT 1004?+
The listing reports pets: No. 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 $895,000, this home is listed about 58% above the Sarasota median of $565,000. The market section on this page shows how the area is trending.
Which schools are assigned to 435 S GULFSTREAM AVENUE UNIT 1004?+
Sarasota High School (high), Southside Elementary School (elementary), Booker Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
278 days on market against a Sarasota median of 62 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Sarasota High School, Southside Elementary School, Booker Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $995,000, now $895,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Dianne Anderson. MLS #A4670726.
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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