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$320,000

89 NAVIGATION CIRCLE, OSPREY, FL 34229

Active36 days on market

Beds

2

Baths

2

Sq Ft

1,449 sq ft

Year Built

2014

Lot Size

Garage

1

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About This Property

Virtually Staged. Hidden within the gated community of Bay Street Village, this rarely available first-floor waterfront residence blends peaceful lakefront living with the convenience of Sarasota’s vibrant Gulf Coast lifestyle. From tranquil water views and warm Florida sunsets to nearby beaches, dining, shopping, and entertainment, this beautifully positioned condo creates the perfect balance of relaxation, comfort, and everyday convenience. From the moment you walk through the door, the tranquil pond views immediately draw your attention, creating a sense of calm that carries throughout the home. Imagine starting your mornings on the screened lanai with coffee in hand, overlooking the sparkling water feature while enjoying the warm Florida breeze and peaceful surroundings. With over 1,400 square feet of thoughtfully designed living space, this beautifully maintained 2-bedroom, 2-bathroom condo also features a versatile den, separate laundry room, and attached one-car garage. Rare first-floor units with water views and this level of convenience are highly desirable for full-time residents, seasonal owners, and investors alike. The open-concept floor plan was designed to maximize both comfort and entertaining. The kitchen showcases granite countertops, solid wood cabinetry, stainless steel appliances, stylish backsplash details, a spacious island, and breakfast bar seating that flows seamlessly into the bright and inviting living area. Crown molding, modern lighting, fresh neutral paint, and updated flooring throughout elevate the home with a clean and timeless feel. The spacious primary suite serves as a private retreat featuring peaceful water views, a large walk-in closet, linen closet, and an updated en-suite bathroom complete with dual sinks and a custom walk-in tile shower. A generously sized guest bedroom, beautiful guest bath, and flexible bonus room provide endless possibilities for guests, a home office, hobby space, or additional lounge area. Bay Street Village offers true maintenance-free living with resort-style amenities including a sparkling pool, fitness center, clubhouse, and beautifully maintained grounds. Centrally located between Sarasota and Venice, residents enjoy quick access to world-renowned Gulf beaches including, Nokomis Beach, and Venice Beach, along with downtown Sarasota, marinas, waterfront dining, shopping, golf, entertainment, Sarasota Bay, the Legacy Trail, and countless local restaurants and attractions. Located near the nationally recognized Pine View School and tucked away from the heavy tourist traffic while still remaining close to everything, this condo offers the perfect combination of convenience, comfort, and the relaxed coastal lifestyle that everyone dream about when moving to Florida. Whether you are searching for a primary residence, seasonal escape, or investment opportunity, this exceptional waterfront condo delivers location, lifestyle, and value all in one. Schedule your private showing today and experience firsthand why this hidden gem in Bay Street Village is the perfect place to call home.

Property Overview

Property TypeResidential
Sub TypeCondominium
MLS #A4694435
StatusActive
Year Built2014
Stories2
Total Rooms6
ConstructionBlock, Stucco
RoofTile
FoundationSlab
FacesNorth
SubdivisionBAY STREET VILLAGE
CountySarasota
OwnershipCondominium

Interior Features

InteriorCeiling Fan(s), Crown Molding, Kitchen/Family Room Combo, Open Floorplan, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room, Same Floor As Condo Unit
WindowsBlinds, Drapes
CoolingCentral Air
HeatingCentral, Electric
SecurityGated Community, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Lighting, Rain Gutters, Sidewalk
Lot FeaturesIn County, Landscaped, Near Public Transit, Sidewalk
Road SurfacePaved, Asphalt
ViewWater
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOAYes
Senior CommunityNo

Financial Details

List Price$320,000
Original Price$345,000
Annual Taxes$3,931 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningRMF3
Parcel #0147081013

Schools

ElementaryLaurel Nokomis Elementary
MiddleLaurel Nokomis Middle
HighVenice Senior High

Directions

Take US-41 South/Tamiami Trail to East Bay St and turn left. Continue to Explorer Drive and turn right into the main gated entrance. You will need the gate code to enter. Once through the gate, the first building directly ahead of you is the correct building. Unit 89 Navigation Circle is located on the first floor.

Location

89 NAVIGATION CIRCLE, OSPREY, FL 34229

Listing Information

OfficeKW COASTAL LIVING II
ListedMay 22, 2026

Schedule a Showing

How to Buy This Home

Multiple financing options available for this $320,000 home in OSPREY.

🏛️

FHA Loan

$11,200 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$16,000 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Sarasota County SHIP

Varies

Income-qualifying Sarasota residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: June 27, 2026.

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