
$425,000
2105 Palm TerraceSarasota, FL 34231
Listing updated: November 13, 2026 at 6:48 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
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
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
- Status: ActiveNov 12, 2026
- Listed$425,000Nov 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
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 | First | 11x13 |
| Primary Bedroom | First | 10x13 |
| Kitchen | First | 8x15 |
| Dining Room | First | 9x9 |
| Living Room | First | 13x19 |
| Bedroom 3 | First | 9x11 |
| Primary Bathroom | First | 5x15 |
| Bathroom 2 | First | 8x13 |
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-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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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.
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