$1,450,000
521 Cummings Street
Sarasota, FL 34242
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
One or more photo(s) has been virtually staged. Siesta Key Waterfront Retreat – Walk to the Beach & Village! Ready for immediate enjoyment this winter, this 3-bedroom, 2-bath Key West–inspired home embodies the essence of the Siesta Key lifestyle—boating from your backyard and strolling to the powdery white sands and vibrant Siesta Key Village with its renowned dining, boutiques, and nightlife. Nestled on a quiet cul-de-sac, this canal-front retreat offers 100 feet of waterfront, a covered 5,000-lb boat lift, and direct access to the Intracoastal Waterway. The expansive outdoor living area invites relaxation and entertaining with a heated pool featuring a cascading stone waterfall, covered bar & and wide open fenced area surrounded by tropical landscape creating a private island ambiance. Inside, a neutral palate, high ceilings, and open layout feels light and airy. The white kitchen features granite countertops, stainless steel appliances, dual sinks, a center cooking island, and a breakfast bar perfect for casual dining. Warmth and character is further enhanced by a marble fireplace in the main living and dining areas. The primary suite offers a peaceful retreat with an ensuite bath, dual vanities, a walk-in shower, and a charming window seat. Guests & children have their own wing with a full bath and a convenient laundry room. Enjoy peace of mind with impact windows, hurricane-rated doors, and major upgrades including a metal roof, Trex decking, Nichiha siding, and reinforced lanai. Positioned at one of the highest elevations on the street, the home has never experienced flooding. And there’s an additional ground floor BONUS…a generously sized sunlit air-conditioned play & storage room! Whether you’re searching for a seasonal escape, a full-time residence, or a property with strong vacation rental appeal, this move-in-ready home offers exceptional versatility and potential.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history217 days on market
- Status: ActiveMay 20, 2026
- Listed$1,595,000Oct 10, 2025
- Price reduced$1,450,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 217
- Subdivision
- Ocean Beach Rep
- County
- Sarasota
- Year built
- 1983
- Living area
- 2,500 sq ft
- Price/sq ft
- $580
- Building area
- 4,795 sq ft (Public Records)
- Lot size
- 9,500 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- A12 (12115C0141G)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $7,154 (2025)
- Parcel #
- 0079140013
- Zoning
- RSF2
- MLS #
- A4667165
Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Ceramic Tile, Laminate
- Appliances
- Dishwasher, Disposal, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom
- Laundry
- Inside
- Stories / Levels
- Multi/Split
- Direction faces
- North
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Boat, Covered, Driveway, Garage Door Opener, Garage Faces Rear, Garage Faces Side, Oversized, Parking Pad
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Buyer and Buyer's Agent to verify with Municipality.
- Approval process
- Buyer and Buyer's Agent to verify with Municipality.
Exterior & Construction
- Exterior features
- Balcony, Sliding Doors
- Construction materials
- Stucco, Frame
- Roof
- Metal
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Connected, Electricity Connected, Fiber Optics, Public, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Bedroom 2 | Second | 11x12 |
| Bedroom 3 | Second | 11x11 |
| Bonus Room | First | 20x20 |
| Kitchen | Second | 13x20 |
| Living Room | Second | 15x20 |
| Primary Bathroom | Second | |
| Primary Bedroom | Second | 17x30 |
Listing Details
- Listing date
- 2025-10-10
- On market date
- 2025-10-10
- Original list price
- $1,595,000
- Occupant type
- Vacant
- MLS area
- 34242 - Sarasota/Crescent Beach/Siesta Key
- Listing AOR
- Sarasota - Manatee
- Status changed
- 2026-05-20
- Tax legal description
- LOT 11 OCEAN BEACH REPLAT NO 2
Flood risk
See FEMA for this zone’s designation and insurance requirements.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Bee Ridge Rd. West to Bay Rd. then Left on Siesta Dr. Merge Left to Higel then Right on Ocean Blvd., then Left on Gleason, Left on Cummings and 521 is on the Left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 29, 2026 at 1:34 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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