John Carpenter
$2,800,0004 bd3.5 ba3,205 sqft$874 /sqft$18,053 /mo all-in ↓

430 ISLAND CIRCLE, SARASOTA, FL, 34242

Active1 days on marketListed Jul 31, 2026MLS #A4700263

WaterfrontPrivate poolSingle Family ResidenceSARASOTA BEACH

About this home

430 ISLAND CIRCLE

Privately set on Palm Island in the heart of Siesta Key, this residence offers an exceptional combination of generous living space, thoughtful design and effortless access to the island’s most celebrated destinations. Just a short distance from the powdery, white quartz sands of Siesta Beach and the boutiques, dining and lively atmosphere of Siesta Village, this beautifully reimagined waterfront residence presents a rare opportunity to enjoy a relaxed coastal lifestyle without compromising comfort, privacy or quality. Nearly every aspect of the home was transformed, creating a fresh, modern interior, designed for both everyday living and gracious entertaining. Soaring ceilings, abundant natural light, a contemporary custom staircase and impact-rated windows and doors establish an open, airy atmosphere, while luxury vinyl and engineered hardwood flooring, recessed lighting, and thoughtfully integrated storage add warmth and architectural interest. The expansive kitchen serves as the centerpiece of the home, featuring custom cabinetry, stone countertops, upgraded stainless steel appliances, wine storage and an oversized quartz island with generous seating. Designed to accommodate everything from casual mornings to larger gatherings, the kitchen flows naturally into the surrounding living and dining spaces and continues outdoors to the pool, lawn, and waterfront beyond. The main-level primary suite provides a serene private retreat with direct access to the pool area, a spacious custom-fitted closet and a beautifully appointed spa-inspired bathroom. Three additional bedrooms offer comfortable accommodations for family and guests, while an upstairs, separate flex space is ideally suited for a private office, exercise room or personalized retreat. A sunroom and conveniently positioned pool bath further enhance the home’s easy indoor-outdoor connection. Outside, the property reveals one of its most distinctive features: an unusually spacious backyard for Siesta Key. A broad lawn surrounds the heated pool, creating room for outdoor dining, recreation, pets, and relaxed afternoons beneath the Florida sun. Beyond the pool, peaceful canal views and a private dock provide a tranquil waterfront setting with boating access. A well supplies the irrigation system, helping maintain the lush tropical landscape. A detached two-car garage offers valuable parking and additional storage for beach equipment, bicycles, paddleboards and other island essentials to enjoy the Siesta Key lifestyle. Morning walks along Siesta Beach, afternoons beside the pool and evenings dining in Siesta Village can all become part of everyday life. Spacious, extensively remodeled, and ideally positioned near the beach, Village and boating water, 430 Island Circle is a sophisticated, yet wonderfully comfortable island retreat designed for those who want to experience the very best of Siesta Key.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,205

Sqft

0.34 ac

Lot size

2

Garage

1962

Year built

Two

Levels

$874

Per sqft

Private poolWaterfrontGarden & Water viewPets allowed

Inside

FlooringEngineered Hardwood · Luxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Electric · Zoned

Outside & construction

RoofShingle
ConstructionOther · Stucco
FoundationSlab
ViewGarden · Water
FacesSoutheast
ParkingDriveway
ExteriorBalcony · Irrigation System · Private Yard · Rain Gutters · Sliding Doors · Sprinkler Metered

Community & fees

Taxes (2025)$20,814/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · 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.

$18,053 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$15,109
PMI (est., until 20% equity)$1,050
Property tax — 2025 actual bill$1,734
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $280,000Loan30-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% · $280,000
Interest rate6.00%
Loan term

Estimated payment

$18,053/mo

Principal & interest$15,109
PMI (est., until 20% equity)$1,050
Property taxes (actual bill)$1,734
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.

List $2.8M
$1.3MedgeAI estimate $1,729,056 · range $1.4M$2.2M$2.9M

vs edgeAI estimate

+61.9%

Days on market

1 vs 58 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 Sarasota Beach

Map of 430 ISLAND CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Tampa73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Sarasota. See the full Sarasota guide →

Sarasota Beach — neighborhood snapshot

Population

1,618

Median age

66

Median income

$128,627

Median home value

$1,096,296

Avg household

2

Households w/ children

91%

For the school run

Sarasota County School District

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

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

The numbers that matter

The Sarasota market

Seller’s marketBalanced6.0 months of inventoryBuyer’s market

$470K$470K

Sarasota median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

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

This home is listed 471% above the SARASOTA 34242 median. See the full Sarasota market guide →

Paper trail

This home's history

Jul 31, 2026Listed at $2,800,000 · 1 days on market since
1962Built · SARASOTA BEACH

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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 430 ISLAND CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 430 ISLAND CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

430 ISLAND CIRCLE FAQs

What would the monthly payment be for 430 ISLAND CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,053/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 430 ISLAND CIRCLE?+

The most recent tax bill on record (2025) was $20,814. 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 430 ISLAND CIRCLE?+

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 $2,800,000, this home is listed about 391% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.

Which schools are assigned to 430 ISLAND CIRCLE?+

Phillippi Shores Elementary School (elementary), Brookside Middle School (middle), Sarasota High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$2,800,000 runs 471% above the SARASOTA 34242 median — but at 3,205 sqft it's also nearly twice the size of the typical Sarasota listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 1 day on market in a Sarasota market that averages 58 — if it fits, move quickly.

04Strong assigned schools

Phillippi Shores Elementary School, Brookside Middle School, Sarasota High School — Phillippi Shores Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Judie Berger. MLS #A4700263.

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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430 ISLAND CIRCLE, SARASOTA, FL — 4 Bed, 3.5 Bath — $2,800,000 | CENTURY 21 Edge