David Ramirez
$4,995,000$5,800,0004 bd4.5 ba6,854 sqft$729 /sqft$30,842 /mo all-in ↓

1804 N LAKE SHORE DRIVE, SARASOTA, FL, 34231

Active198 days on marketListed Jan 21, 2026MLS #A4679067

Reduced $805KPrivate poolSingle Family ResidenceOYSTER BAY ESTATES

About this home

1804 N LAKE SHORE DRIVE

A residence of sophistication and luxury, this exceptional home was thoughtfully designed to bring family and friends together—sharing good food, meaningful connection, and the enjoyment of elevated everyday living. Ideally located just 8 miles from Sarasota-Bradenton International Airport, 12 minutes to Siesta Key Beach, and 10 minutes to downtown Sarasota, the property is in close proximity to The Ringling, Van Wezel, Selby Gardens, Asolo, premier dining and shopping, The Field Club, and the Sarasota Yacht Club—creating a seamless blend of culture, convenience, and coastal lifestyle. Elegant yet warm and approachable, the home blends refined architecture with tropical elements, including stone columns, metal pergolas, concrete textures, and lush landscaping, creating a relaxed oasis unlike any other. A surrounding stucco wall enhances privacy, allowing you to unwind to the soothing sound of a tranquil fountain within a peaceful, secluded setting. The main living spaces were intentionally designed for gathering, featuring bead-board stained ceilings in the family room, formal living room, and dining area. The cook’s kitchen is both striking and highly functional, highlighted by a glazed pressed-tin ceiling, unpolished concrete floors, and views into the kitchen garden through multiple French doors and expansive windows—perfectly suited for both everyday living and entertaining.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

6,854

Sqft

0.49 ac

Lot size

2

Garage

2004

Year built

Two

Levels

$729

Per sqft

Private pool

Inside

FlooringBamboo · Concrete
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Refrigerator · Washer · Water Filtration System · Whole House R.O. System · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Walk-In Closet(s) · Wet Bar
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofMetal
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesNortheast
ExteriorCourtyard · French Doors · Irrigation System · Lighting · Outdoor Grill · Rain Gutters

Community & fees

Taxes (2025)$22,275/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Natural Gas Connected · Sewer Connected · Sprinkler Well · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$30,842 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$26,953
PMI (est., until 20% equity)$1,873
Property tax — 2025 actual bill$1,856
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $499,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $499,500
Interest rate6.00%
Loan term

Estimated payment

$30,842/mo

Principal & interest$26,953
PMI (est., until 20% equity)$1,873
Property taxes (actual bill)$1,856
Est. insurance$160

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 OYSTER BAY ESTATES

$729 vs $1,162

Days on market

198 vs 61 typical

Where $729/sqft sits among the 7 homes for sale in OYSTER BAY ESTATES

1 · this home
3
2
0
0
1
$580–895$895–1209$1209–1524$1524–1839$1839–2153$2153+

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

Map of 1804 N LAKE SHORE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa67 min

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

ElementaryPhillippi Shores Elementary School★★★★★
MiddleBrookside Middle School★★★★★
HighRiverview High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Sarasota market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$475K$493K

Sarasota median sold, yr/yr

95.2%

Sale-to-list ratio (12 mo)

2 of 7

OYSTER BAY ESTATES have cut their price

Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 2181% above the SARASOTA 34231 median. See the full Sarasota market guide →

Paper trail

This home's history

CurrentPrice reduced to $4,995,000 $805K
Jan 21, 2026Listed at $5,800,000 · 198 days on market since
2004Built · OYSTER BAY ESTATES

Reality check

What actually sold near 1804 N LAKE SHORE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1815 S LAKE SHORE DRIVESold · Jul ’26

$4,100,000

1815 S LAKE SHORE DRIVE · same community

5 bd · 4.5 ba · 4,177 sqft · $982/sqft · 40 DOM

4439 WESTWOOD LANESold · Jul ’26

$2,768,500

4439 WESTWOOD LANE · same community

4 bd · 3.5 ba · 3,777 sqft · $733/sqft · 245 DOM

4505 CAMINO REALSold · Feb ’26

$2,140,000

4505 CAMINO REAL · same community

4 bd · 4.5 ba · 3,502 sqft · $611/sqft · 38 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1804 N LAKE SHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1804 N LAKE SHORE DRIVE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

1804 N LAKE SHORE DRIVE FAQs

What would the monthly payment be for 1804 N LAKE SHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $30,842/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 1804 N LAKE SHORE DRIVE?+

The most recent tax bill on record (2025) was $22,275. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Sarasota?+

At $4,995,000, this home is listed about 778% above the Sarasota median of $569,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1804 N LAKE SHORE DRIVE?+

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

$4,995,000 runs 2181% above the SARASOTA 34231 median — but at 6,854 sqft it's also nearly 4 times the size of the typical Sarasota listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

198 days on market against a Sarasota median of 61 — 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 $5,800,000, now $4,995,000 — a $805K cut. The full history is in the market section below.

Listing courtesy of PREFERRED SHORE LLC · Bridget Spiess. MLS #A4679067.

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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