521 CUMMINGS STREET, SARASOTA, FL, 34242
Active29 days on marketListed Jul 4, 2026MLS #A4696604
About this home
521 CUMMINGS STREET
Tucked away on a quiet cul-de-sac on north Siesta Key, this Key West-inspired canal-front retreat captures the ease of casual island living with boating water, inviting outdoor spaces and easy access to Siesta Village, the famous white quartz sands of Siesta Beach and the azure waters of the Gulf. Set along 95 feet of private canal frontage just off the Grand Canal, the property offers a dock, a covered 5,000-pound boat lift and direct access to the Intracoastal Waterway, creating an ideal setting for those who want to enjoy the water from their own backyard. Designed for effortless indoor-outdoor living, the home features an expansive elevated deck and contemporary cable railings overlooking the canal and surrounding natural scenery, a heated pool with a cascading stone waterfall, a covered bar area and a fenced, low-maintenance yard surrounded by tropical landscaping. Whether hosting friends, relaxing after a day on the boat or enjoying the island breeze, the outdoor areas offer a private, versatile setting for everyday enjoyment. Inside, vaulted ceilings, a neutral palette and an open-concept layout create a light, comfortable atmosphere. The kitchen is positioned at the heart of the home and features granite countertops, stainless steel appliances, dual sinks, a center island with a JennAir cooktop and a breakfast bar that connects easily to the main living and dining areas. A wood-burning fireplace adds warmth and character to the gathering space. The primary suite offers a peaceful retreat with sliding glass doors opening to a screened lanai, along with an en-suite bath featuring dual vanities, a walk-in shower and a charming window seat. Two additional bedrooms are thoughtfully positioned in their own wing with a full bath and convenient laundry room nearby. Additional features include impact glass on most openings, hurricane-rated doors, metal roof, Nichiha siding, Trex decking, cable railings, two garages and a full pool bath, bonus room and storage area on the ground level. Positioned at one of the highest elevations on the street, the home offers added peace of mind in storm season. Just a short distance from Siesta Key’s renowned beaches, vibrant Village dining, boutiques and nightlife, this move-in-ready waterfront home offers exceptional flexibility as a full-time residence, seasonal getaway or investment opportunity in one of Sarasota’s most beloved island communities. Close to the Out-of-Door Academy’s lower school and only 15 minutes by car to vibrant downtown Sarasota’s restaurants, shopping and entertainment.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,500
Sqft
0.22 ac
Lot size
2
Garage
1983
Year built
Multi/Split
Levels
$580
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.
$9,124 /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
$9,124/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
−14.1%
$/sqft vs Sarasota actives
$580 vs $336
Days on market
29 vs 58 typical
Where $580/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 →
The numbers that matter
The Sarasota market
$470K → $470K
Sarasota median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
155 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 196% above the SARASOTA 34242 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 521 CUMMINGS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$595,000
523 REID STREET · same community
3 bd · 2.5 ba · 2,249 sqft · $265/sqft · 69 DOM
Sold · Nov ’25$660,000
4725 GLEASON AVENUE · same community
3 bd · 3.5 ba · 2,757 sqft · $239/sqft · 0 DOM
Sold · Dec ’25$700,000
4637 OCEAN BOULEVARD · same community
3 bd · 2 ba · 2,065 sqft · $339/sqft · 73 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 521 CUMMINGS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 521 CUMMINGS STREET — 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
521 CUMMINGS STREET FAQs
What would the monthly payment be for 521 CUMMINGS STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,124/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 521 CUMMINGS STREET?+
The most recent tax bill on record (2025) was $7,154. 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 521 CUMMINGS STREET?+
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 $1,450,000, this home is listed about 154% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Judie Berger. MLS #A4696604.
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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