550 46TH STREET, SARASOTA, FL, 34234
Active289 days on marketListed Oct 23, 2025MLS #A4668768
About this home
550 46TH STREET
SIGNIFICANT PRICE IMPROVEMENT of over $200,000!! Great opportunity to own over half an acre of land in Indian Beach Sapphire Shores - Must Be Seen in Person. Schedule a viewing today! Tucked beneath a canopy of lush, tropical greenery in iconic Indian Beach, this distinctive family compound on over half an acre captures the spirit of one of Sarasota’s most sought-after and uniquely charming neighborhoods. Blending privacy with everyday ease, the property features two separate driveways on different streets—providing rare accessibility, a true estate presence, and exceptional flexibility. The spacious split-plan residence offers inviting living and dining areas, a primary suite with an accessible en-suite bath, and timeless architectural character throughout. Perfect for multigenerational living **or income-producing opportunities**, the home includes a private mother-in-law apartment with its own entrance, bedroom, bath, walk-in closet, and kitchenette, as well as a second en-suite bedroom with its own exterior access—ideal as a guest suite or potential rental. Multiple carports, an RV port with a 220v outlet for RV or EV charging, and ample room to add a pool enhance the property’s versatility. Located moments from award-winning beaches, Sarasota Bay, Sapphire Shores Park, The Ringling Museum, Sarasota Jungle Gardens, SRQ Airport, and downtown Sarasota, this residence offers an extraordinary opportunity to create your own legacy home.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,309
Sqft
0.58 ac
Lot size
1940
Year built
One
Levels
$433
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$6,175 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,175/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs INDIAN BEACH MAP OF
$433 vs $1,070
Days on market
289 vs 62 typical
Where $433/sqft sits among the 8 homes for sale in INDIAN BEACH MAP OF
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Indian Beach / Sapphire Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
Indian Beach / Sapphire Shores — neighborhood snapshot
Population
3,193
Median age
51
Median income
$82,133
Median home value
$455,294
Avg household
2
Households w/ children
145
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sarasota market
$475K → $493K
Sarasota median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
5 of 8
INDIAN BEACH MAP OF have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 207% above the SARASOTA 34234 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 550 46TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$5,500,000
4401 BAY SHORE ROAD · same community
2 bd · 2 ba · 1,949 sqft · $2,822/sqft · 0 DOM
Sold · Jun ’26$415,000
4237 SARASOTA AVENUE · same community
3 bd · 2 ba · 1,803 sqft · $230/sqft · 5 DOM
Sold · Feb ’26$695,000
730 40TH STREET · same community
4 bd · 3 ba · 1,598 sqft · $435/sqft · 204 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 550 46TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 550 46TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
550 46TH STREET FAQs
What would the monthly payment be for 550 46TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,175/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 550 46TH STREET?+
The most recent tax bill on record (2024) was $2,995. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 550 46TH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Sarasota?+
At $999,000, this home is listed about 77% above the Sarasota median of $565,000. The market section on this page shows how the area is trending.
Which schools are assigned to 550 46TH STREET?+
Booker High School (high), Booker Middle School (middle), Emma E. Booker Elementary School (elementary) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$999,000 runs 207% above the SARASOTA 34234 median — but at 2,309 sqft it's also 37% larger than the typical Sarasota listing.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
289 days on market against a Sarasota median of 62 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,200,000, now $999,000 — a $201K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED SHORE LLC · Carol-Ann Warr. MLS #A4668768.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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