528 RALPH STREET, SIESTA KEY, FL, 34242
Active119 days on marketListed Mar 27, 2026MLS #TB8491348
About this home
528 RALPH STREET
TURNKEY WATERFRONT PROPERTY – Exceptional opportunity to acquire this Siesta Key property where coastal living meets modern luxury. This residence is in move-in condition. Property Features: Accommodates up to 8 guests comfortably Durable and attractive terrazzo flooring throughout Recently completed exterior paint (2025) Updated kitchen featuring Corian countertops, extensive cabinetry, and a new gas range Renovated bathrooms with clean, modern finishes Replacement windows for improved efficiency and comfort Waterfront & Exterior Highlights: Newer seawall Direct boat access with only one bridge to open water Newly constructed front deck Parking capacity for up to six vehicles Converted garage/storage area ideal for beach equipment, bicycles, and tools Additional Value: Ample space to add an in-ground pool (fiberglass options have cost-effective installation in Florida) Located on a street with surrounding homes valued up to $7 million This property is well-suited for investors, seasonal residents, or buyers seeking a low-maintenance “lock-and-leave” coastal home. For additional information or to schedule a private showing, please call listing agent.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,796
Sqft
0.2 ac
Lot size
1958
Year built
One
Levels
$696
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.
$8,298 /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
$8,298/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
+42%
Days on market
119 vs 84 typical
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 Siesta Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Siesta Key. See the full Siesta Key guide →
The numbers that matter
The Siesta Key market
$800K → $2.7M
Siesta Key median sold, yr/yr
94.0%
Sale-to-list ratio (12 mo)
Median sold price, Siesta Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 150% above the SIESTA KEY 34242 median. See the full Siesta Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 528 RALPH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$825,000
514 RALPH STREET · same community
4 bd · 3 ba · 1,934 sqft · $427/sqft · 96 DOM
Sold · Dec ’25$700,000
4637 OCEAN BOULEVARD · same community
3 bd · 2 ba · 2,065 sqft · $339/sqft · 73 DOM
Sold · May ’26$595,000
523 REID STREET · same community
3 bd · 2.5 ba · 2,249 sqft · $265/sqft · 69 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 528 RALPH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 528 RALPH 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
528 RALPH STREET FAQs
What would the monthly payment be for 528 RALPH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,298/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 528 RALPH STREET?+
The most recent tax bill on record (2025) was $11,096. 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 Siesta Key?+
At $1,250,000, this home is listed about 30% below the Siesta Key median of $1,795,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,250,000 runs 150% above the SIESTA KEY 34242 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $1,490,000, now $1,250,000 — a $240K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EPIQUE REALTY INC. · Brian Rice. MLS #TB8491348.
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 Siesta Key homes, in your inbox
Like 528 RALPH STREET but not quite? A daily digest of every new listing in Siesta Key — 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 →