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$525,000

4598 CACTUS AVENUE, SARASOTA, FL 34231

Active8 days on market

Beds

3

Baths

2

Sq Ft

1,895 sq ft

Year Built

1989

Lot Size

0.29 acres

Garage

2

About This Property

Virtually Staged. Welcome to this updated three-bedroom, two-bath home in Flora Villa, tucked onto a quiet dead-end street beneath mature trees and spread across an oversized 0.29-acre lot. This charming home has curb appeal to spare with a sweeping front porch that invites you to sit a spell, and have a cold glass of ice tea. Inside, the one-story plan opens easily from a generous living room with a wood-burning fireplace through to the renovated kitchen, where granite counters, solid wood cabinetry, stainless appliances, and a breakfast nook make cooking and dining a real joy. A flexible bonus room works just as well as an office, den, playroom, or extra guest space, and waterproof, scratch-resistant vinyl plank flooring runs throughout the home. Both bathrooms have been renovated, the primary bath includes a fabulous spa shower plus a lovely vanity with double sinks, and both the primary as well as one of the guests bedrooms have roomy well organized walk-in closets. The backyard is where you will truly enjoy Florida living. The yard is fully fenced, the pavers create a true outdoor living floor, and the pergola turns the space into a shaded room for morning coffee, long dinners, and weekend gatherings without leaving home. It is private and perfect for pets and children, large enough to linger, and set up as an extension of the house rather than an afterthought. Out front, a French drain and gutter guards help keep the property tidy, and the exterior has fresh paint. The oversized side-load two-car garage includes an EV charger, newly painted floor, and a newer garage door opener. Practical updates continue inside with whole-house water filtration/water softener and reverse osmosis in the kitchen (sink and refrigerator), added attic insulation, whole-house surge protection, a newer washer, microwave, brand new garbage disposal, kitchen faucet, and laundry cabinet. There are no deed restrictions here, so you can make this home and lot your own without an association dictating paint colors, parking, or how you use your backyard. This home sits in FEMA Flood Zone X, which means it is mapped outside the high-risk floodplain. In practical terms, that is one of the strongest flood designations you can have in this part of Sarasota: federally backed lenders typically do not require flood insurance the way they do in coastal A and V zones, and the mapped flood risk is far lower than homes closer to the water. You still get a short drive to Siesta Key, Lido Beach, and St. Armands Circle, without taking on that high-risk beach flood zone. Bee Ridge Park is a walk away for playground time, sand volleyball, baseball, and basketball, and everyday shopping and dining line the Bee Ridge and Clark Road corridors. HCA Florida Sarasota Doctors Hospital is nearby on Bee Ridge Road, with Sarasota Memorial a short drive toward downtown. What really sets the location apart is how close the Gulf is: Siesta Key’s world-famous quartz sand is a short drive west, Lido Beach and St. Armands Circle are close enough for an after-work sunset or a Saturday on the water, and downtown Sarasota’s bayfront, dining, and arts scene is an easy trip when you want the city without living in the middle of it.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #A4707912
StatusActive
Year Built1989
Stories1
Total Rooms8
ConstructionWood Frame, Wood Siding
RoofShingle
FoundationSlab, Stem Wall
FacesEast
SubdivisionFLORA VILLA FINAL SURV
CountySarasota
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Open Floorplan, Solid Surface Counters, Walk-In Closet(s), Window Treatments
FlooringLuxury Vinyl, Vinyl
AppliancesDishwasher, Dryer, Electric Water Heater, Range, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsShades
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorRain Barrel/Cistern(s)
Lot Size0.29 acres (12,631 sq ft)
Lot FeaturesIn County, Landscaped, Private, Street Dead-End
Road SurfacePaved, Asphalt
0

Utilities

WaterNone
SewerSeptic Tank
UtilitiesCable Connected, Electricity Connected, Public

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$525,000
Annual Taxes$3,816 (2025)
FinancingCash, Conventional, FHA
ZoningRSF2
Parcel #0073070096

Schools

ElementaryWilkinson Elementary
MiddleBrookside Middle
HighRiverview High

Directions

From Honore, head west on Wilkinson Rd. Turn left onto Cactus Ave. House will be at the dead end on your right.

Location

4598 CACTUS AVENUE, SARASOTA, FL 34231

Listing Information

OfficeRONNIE DEWITT AND ASSOCIATES
ListedSeptember 30, 2026

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Home Price

$525,000

20% ($105,000)
6.75%

Loan Term

Principal & Interest$2,724
Property Tax (est.)$481
Insurance (est.)$150
Total Monthly$3,355
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $525,000 home in SARASOTA.

🏛️

FHA Loan

$18,375 Down

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

🏦

Conventional

$26,250 Down

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

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.

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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: October 8, 2026.

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