4092 HEARTHSTONE DRIVE, SARASOTA, FL, 34238
Active16 days on marketListed Jul 8, 2026MLS #A4699224
Come see it
Upcoming open house
Sun, Jul 26
1:00 PM – 4:00 PM
About this home
4092 HEARTHSTONE DRIVE
Welcome to 4092 Hearthstone Drive, an impeccably maintained residence tucked behind the gates of Huntington Pointe in the highly sought-after community of Palmer Ranch with low HOA fees. Located on a desirable cul-de-sac with an extra long driveway this home offers 3 bedrooms, 2 baths and gorgeous secluded backyard. This house is offering a lanai with electric shutters that give you peace of mind during stormy weather, as well as newer roof (2015), newer A/C (2021), Vinyl Luxury Plank floors (2025), hot water heater (2021), R/O under the sink (2021) and many other upgrades were added during the current ownership. From the moment you enter, soaring vaulted ceilings and abundant natural light create an inviting sense of space with a layout designed for both everyday comfort and effortless entertaining. Ideally located near the Legacy Trail, YMCA, shopping, dining, and world-famous Siesta Key Beach—with convenient access to downtown Sarasota, bayfront parks, marina, and vibrant arts and culture. Whether you’re looking for a primary residence, vacation home, or seasonal retreat, this home offers the perfect combination of space, location, and Florida lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,871
Sqft
0.24 ac
Lot size
2
Garage
1992
Year built
One
Levels
$281
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.
$4,029 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,029/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−2%
$/sqft vs HUNTINGTON POINTE
$281 vs $243
Days on market
16 vs 58 typical
Where $281/sqft sits among the 14 homes for sale in HUNTINGTON POINTE
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)
3 of 14
HUNTINGTON POINTE have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the Sarasota median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 4092 HEARTHSTONE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$525,000
8972 HUNTINGTON POINTE DRIVE · same community
3 bd · 2 ba · 1,827 sqft · $287/sqft · 76 DOM
Sold · Jun ’26$510,000
8876 HUNTINGTON POINTE DRIVE · same community
3 bd · 2.5 ba · 1,938 sqft · $263/sqft · 57 DOM
Sold · Mar ’26$440,000
6426 Pointe Pleasant Circle, Delray Beach FL 33484 · same community
2 bd · 2 ba · 1,636 sqft · $269/sqft · 33 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 4092 HEARTHSTONE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4092 HEARTHSTONE DRIVE — 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
4092 HEARTHSTONE DRIVE FAQs
What would the monthly payment be for 4092 HEARTHSTONE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,029/mo — principal and interest, the actual property-tax bill, the $177/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 4092 HEARTHSTONE DRIVE?+
The association fee works out to $177 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4092 HEARTHSTONE DRIVE?+
The most recent tax bill on record (2025) was $4,430. 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 4092 HEARTHSTONE DRIVE?+
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 $525,000, this home is listed about 8% below 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 SHOWTIME REALTY · Maria Ploshansky. MLS #A4699224.
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.
Never miss a listing
New Sarasota homes, in your inbox
Like 4092 HEARTHSTONE DRIVE but not quite? A daily digest of every new listing in Sarasota — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →