5440 RIVERBLUFF CIRCLE UNIT 87, SARASOTA, FL, 34231
Active67 days on marketListed May 27, 2026MLS #A4695042
About this home
5440 RIVERBLUFF CIRCLE UNIT 87
Fully renovated and move-in ready, this charming 1-bedroom, 1-bathroom standalone villa in the highly sought-after 55+ Strathmore Riverside Villas community is the Florida lifestyle opportunity you have been waiting for. Whether you are pursuing the snowbird dream or making the permanent move to paradise, this turnkey gem is ready for you right now. Fresh 2025 upgrades include a brand new kitchen, new flooring throughout, and new plumbing — no projects, no headaches, just move in and start living. The bright open-concept layout offers comfortable and easy living with an in-unit washer and dryer, covered carport, and attached storage room. The community is where the magic happens. Start your morning with a swim in the large heated pool maintained at a year-round 85 degrees, spend your afternoon on the fishing dock, and end your day watching the sun set over Phillippi Creek. Boating enthusiasts will love the community marina with direct access to the Intracoastal Waterway and the Gulf of Mexico — boat slips available through the association. Additional amenities include a clubhouse, fitness room, shuffleboard courts, billiards, library, and two saunas. HOA fee includes cable TV, water, sewer, exterior building and grounds maintenance, building insurance, escrow reserves, and onsite management. Conveniently located near Publix, Detwiler's Farm Market, Sarasota Memorial Hospital, Phillippi Farmhouse Market, and just minutes to world-famous Siesta Key Beach. At this price with these upgrades in this community, this one will not last long. Schedule your showing today.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
864
Sqft
0 ac
Lot size
1971
Year built
One
Levels
$253
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 and the real association fee — not generic estimates.
$2,338 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,338/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 Sarasota actives
$253 vs $343
Days on market
67 vs 58 typical
Where $253/sqft sits among the 400 Sarasota actives
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 Sarasota
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
SARASOTA 34231 — neighborhood snapshot
Population
32,203
Median age
55.1
Median income
$69,721
Median home value
$363,400
Avg household
2.03
Households w/ children
2,803
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
$470K → $470K
Sarasota median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
152 of 400
Sarasota actives have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the SARASOTA 34231 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 5440 RIVERBLUFF CIRCLE UNIT 87
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$180,000
2733 RIVERBLUFF PLACE UNIT V57 · same community
1 bd · 1 ba · 864 sqft · $208/sqft · 185 DOM
Sold · Jun ’26$125,000
5571 RIVERBLUFF CIRCLE UNIT V1 · same community
2 bd · 2 ba · 1,120 sqft · $112/sqft · 182 DOM
Sold · May ’26$190,000
5453 RIVERBLUFF CIRCLE UNIT V68 · same community
2 bd · 2 ba · 1,120 sqft · $170/sqft · 176 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 5440 RIVERBLUFF CIRCLE UNIT 87 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5440 RIVERBLUFF CIRCLE UNIT 87 — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5440 RIVERBLUFF CIRCLE UNIT 87 FAQs
What would the monthly payment be for 5440 RIVERBLUFF CIRCLE UNIT 87?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,338/mo — principal and interest, the actual property-tax bill, the $622/mo association fee 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.
How much are the HOA fees at 5440 RIVERBLUFF CIRCLE UNIT 87?+
The association fee works out to $622 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5440 RIVERBLUFF CIRCLE UNIT 87?+
The most recent tax bill on record (2025) was $2,033. 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 5440 RIVERBLUFF CIRCLE UNIT 87?+
The listing reports pets: Breed Restrictions, 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 $219,000, this home is listed about 62% below the Sarasota median of $570,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5440 RIVERBLUFF CIRCLE UNIT 87?+
Phillippi Shores Elementary School (elementary), Riverview High School (high), Brookside Middle School (middle) — 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
$219,000 runs 10% above the SARASOTA 34231 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $622/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Phillippi Shores Elementary School, Riverview High School, Brookside Middle School — Phillippi Shores Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ON THE WATER S · Evona Poplawski. MLS #A4695042.
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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