20 WHISPERING SANDS DRIVE UNIT 501, SARASOTA, FL, 34242
Active51 days on marketListed Jun 22, 2026MLS #A4697523
About this home
20 WHISPERING SANDS DRIVE UNIT 501
Experience full gulf-front views and the lifestyle of island living on the world-renowned Siesta Key beach. This beautiful fifth-floor end-unit residence is in the south tower of Whispering Sands, a community in the heart of Siesta Key Village. This property offers the ideal blend of serenity and convenience. Residents enjoy private beach access and 800 feet of quartz sand beach, yet you are just a short distance from all the shops, boutiques and restaurants of the village. With open-air hallway corridors, you will feel the island breeze as you enter the front door of the residence. An abundance of natural light immediately welcomes you from the windows and large wall of glass sliders in the living and dining area, designed to showcase the dreamy turquoise water views of the Gulf. This two-bedroom, two-bath unit features light and bright neutral tones providing a warm yet coastal feel. The highlight of this unit is the 25-foot terrace accessible through two sets of hurricane/impact rated floor-to-ceiling glass sliders with remote-controlled shades. Here is where you will want to sit, relax and take in the expansive and postcard-worthy beach views. The kitchen has been upgraded with granite countertops, breakfast bar, new cabinets, stainless steel appliances, a built-in desk area and a closet pantry. From your primary suite, you will enjoy views of the turquoise water by day and golden sunsets by night through the floor-to-ceiling glass sliders. This cozy retreat also offers an updated en-suite bath, generous walk-in closet and a wall of custom built-in drawers. The guest bedroom is versatile and large enough for two queen beds or could be used as a den or home office. Whispering Sands is a 55-plus community and is resort-inspired, featuring two heated pools with new travertine decks, canoe/kayak storage, shuffleboard, a beachside tiki hut with barbecue grills and lush landscaped grounds. The main clubhouse, featuring a fitness center, community room and lounge area, is undergoing a complete remodel with an expected completion date of late 2026. When you are ready to venture out beyond the sandy beaches, you’ll be just a short drive to downtown Sarasota and its world-class arts, dining and culture scene. This property is more than just a condominium, it’s a lifestyle. Come live it today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,282
Sqft
2.47 ac
Lot size
1973
Year built
One
Levels
$935
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.
$9,041 /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
$9,041/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.
vs edgeAI estimate
+38%
$/sqft vs Sarasota actives
$935 vs $343
Days on market
51 vs 63 typical
Where $935/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 →
The numbers that matter
The Sarasota market
$475K → $493K
Sarasota median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
165 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 167% above the SARASOTA 34242 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 20 WHISPERING SANDS DRIVE UNIT 501
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,290,000
20 WHISPERING SANDS DRIVE UNIT 1205 · same community
2 bd · 2 ba · 1,282 sqft · $1,006/sqft · 86 DOM
Sold · Sep ’25$800,000
20 WHISPERING SANDS DRIVE UNIT 301 · same community
2 bd · 2 ba · 1,282 sqft · $624/sqft · 135 DOM
Sold · Jun ’26$1,340,000
20 WHISPERING SANDS DRIVE UNIT 1102 · same community
2 bd · 2 ba · 1,464 sqft · $915/sqft · 83 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 20 WHISPERING SANDS DRIVE UNIT 501 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 WHISPERING SANDS DRIVE UNIT 501 — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 WHISPERING SANDS DRIVE UNIT 501 FAQs
What would the monthly payment be for 20 WHISPERING SANDS DRIVE UNIT 501?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,041/mo — principal and interest, the actual property-tax bill, the $1,398/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 20 WHISPERING SANDS DRIVE UNIT 501?+
The association fee works out to $1,398 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20 WHISPERING SANDS DRIVE UNIT 501?+
The most recent tax bill on record (2025) was $6,764. 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 20 WHISPERING SANDS DRIVE UNIT 501?+
The listing reports pets: No. 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 $1,199,000, this home is listed about 114% above the Sarasota median of $559,500. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,199,000 runs 167% above the SARASOTA 34242 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 $1,398/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Christopher Bush. MLS #A4697523.
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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