2105 Palm Terrace, FL
Stellar MLS
1 / 1

$425,000

2105 Palm TerraceSarasota, FL 34231

Listing updated: November 13, 2026 at 6:48 AM ET

Active
Stellar MLSListing courtesy of Kw Coastal Living Iii · Toni Zarghami · MLS #A4710552 · Active · 941-900-4151
3
Beds
2
Baths
1,162
Sq Ft
0.23
Acres
1950
Built
◆Private pool◆Fireplace◆$366/sqft
Single Family Residence

Property type

1950

Year built

9,864 sqft

Lot size

$366

Price / sq ft

No HOA

HOA dues

1

Day on market

X

Flood zone

About this home

Welcome to a fully renovated, move-in ready home in Harbor Oaks, tucked on a quiet tree-lined street in one of Sarasota’s most centrally located neighborhoods, just minutes from the white sands of Siesta Key. With 3 bedrooms, 2 full bathrooms, a heated pool, and no HOA, this home delivers the Florida lifestyle buyers are searching for without the condo fees or community restrictions, making it equally appealing as a full-time residence or a long-term rental investment. The home is also available turnkey, so you can move in or start leasing with nothing to buy and nothing to set up. Owned solar panels, with no lease or payment to take over, are sized to cover the home’s average utility bill, a real advantage for a home with a heated pool. A paver driveway and walkway lead to the front entry, with a covered carport along the side of the home. Inside, the open living and dining area is bright and welcoming, with warm wood floors, recessed lighting, plantation-style blinds, and a fireplace with a white stone surround anchoring the living room. The kitchen is finished with white shaker cabinetry, gold hardware, a striking deep blue tile backsplash, and stainless steel appliances, all open to the dining space so cooking and conversation happen together. The primary suite features an en suite bath with a glass-enclosed herringbone tile shower, a lighted mirror, and a separate makeup vanity. The second bedroom sits just next door, and the third bedroom, set off the living room on the opposite side of the home, works equally well as a guest room, home office, or den. The second full bath offers a glass-enclosed shower and the laundry area, conveniently located off the kitchen. Step out back and the fully fenced yard becomes a private resort. The heated pool is framed by extensive pavers, a decorative sand area with room for loungers, and a lush artificial turf lawn that stays green with no mowing. High-end landscaping and mature palms surround multiple patio spaces for dining, grilling, and relaxing in the shade, giving you a backyard you will use every day of the year with very little upkeep. The location is hard to beat. Siesta Key Beach and its famous powder-soft quartz sand are a short drive across the Stickney Point bridge, and Gulf Gate Village’s restaurants, coffee shops, and nightlife are close by. Phillippi Estate Park and its Wednesday farmhouse market, Sarasota Memorial Hospital, and downtown Sarasota’s arts and dining scene are all within easy reach. The area continues to grow, with Siesta Promenade bringing new shops, restaurants, and a boutique hotel to the gateway of Siesta Key, and the Sarasota Square redevelopment adding Whole Foods Market and an open-air shopping and dining destination just down US-41. **THIS PROPERTY QUALIFIES FOR A 1% LENDER INCENTIVE IF USING PREFERRED LENDER. INQUIRE FOR MORE DETAILS.**

Estimated monthly payment

Principal & interest$2,149
Property taxes$233
Home insurance (est.)$195

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 history1 days on market

  1. Status: Active
    Nov 12, 2026
  2. Listed$425,000
    Nov 12, 2026

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
1
Subdivision
Harbor Oaks
County
Sarasota
Year built
1950
Living area
1,162 sq ft
Price/sq ft
$366
Building area
1,372 sq ft (Public Records)
Lot size
9,864 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12115C0142G)
Pool
Private pool
Annual taxes
$2,799 (2026)
Parcel #
0075040057
Zoning
RSF3
MLS #
A4710552

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Tile, Wood
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Open Floorplan, Stone Counters, Thermostat, Window Treatments
Laundry
Inside, Other
Stories / Levels
One
Direction faces
South
Fireplace
Yes

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
0
Parking features
Covered, Driveway
Carport
Yes

HOA & Financial

Total monthly fees
None
Total annual fees
None
CDD
No
Min lease term
1 Month
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Lighting, Outdoor Grill, Private Mailbox, Sidewalk
Construction materials
Frame, Wood Siding
Roof
Shingle
Foundation
Pillar/Post/Pier
Pool
Private pool
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Electricity Available, Public, Sewer Available, Water Available

Schools

ElementaryPhillippi Shores ElementaryGreatSchools ↗
MiddleSarasota MiddleGreatSchools ↗
High SchoolRiverview HighGreatSchools ↗

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

RoomLevelDimensions
Bedroom 2First11x13
Primary BedroomFirst10x13
KitchenFirst8x15
Dining RoomFirst9x9
Living RoomFirst13x19
Bedroom 3First9x11
Primary BathroomFirst5x15
Bathroom 2First8x13

Listing Details

Listing date
2026-10-26
On market date
2026-11-12
Original list price
$425,000
Occupant type
Vacant
MLS area
34231 - Sarasota/Gulf Gate Branch
Listing AOR
Sarasota - Manatee
Status changed
2026-11-12
Tax legal description
LOT 9 BLK A HARBOR OAKS

Flood risk

Minimal riskFEMA Zone XPanel 12115C0142G

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

West on begrudge road and left on us 41, left on palm terrace, house is on the left.

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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 November 13, 2026 at 6:48 AM 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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