CENTURY 21 Edge
$439,0002 bd2 ba1,778 sqft$247 /sqft≈$3,544 /mo all-in ↓

4238 65TH TERRACE E, SARASOTA, FL, 34243

Active36 days on marketListed Sep 4, 2026MLS #A4702689

Single Family ResidenceCASCADES AT SARASOTA

About this home

4238 65TH TERRACE E

WELCOME TO EASY, ELEGANT FLORIDA LIVING! Discover the perfect blend of comfort, convenience, and active resort-style living in The Cascades at Sarasota, one of Sarasota’s premier 55+ gated communities. Ideally located, this meticulously maintained and thoughtfully extended Aruba floor plan offers more than 1,800 square feet of beautifully designed living space, featuring 2 bedrooms, 2 baths, a versatile den/office, and an attached 2-car garage with large built-in storage cabinets and shelving. The true centerpiece of this home is the large, extended screened lanai, beautifully landscaped, creating an impressive outdoor living and entertaining space complete with a soothing heated spa, featuring multiple different jet options and heat settings. Inside, the open and inviting floor plan offers a seamless flow for both everyday living and entertaining. The spacious kitchen features 42-inch cabinetry with convenient roll-out shelving, crown molding, under-cabinet lighting, quartz countertops, and a custom backsplash, opening naturally to the dining and living areas. A 3-foot living room extension adds even more space to gather with family and friends. The split-bedroom design provides privacy, with the generously sized Owner’s Suite thoughtfully separated from the guest bedroom. The Primary Suite is a peaceful retreat, featuring extended built-in closets, dual split vanities, a soaking tub, and a large walk-in shower with four additional body-spray shower heads. Additional highlights include an extended foyer, NEW HVAC system, NEW hot water heater, energy-efficient wall insulation, easy-close locking accordion hurricane shutters, plantation shutters and custom window treatments. Beyond your front door, The Cascades offers an exceptional active-adult lifestyle with amenities designed for as much activity—or relaxation—as you desire. Residents enjoy heated indoor and outdoor pools and spas, a state-of-the-art fitness center, a 25,000-square-foot clubhouse with ballroom and catering kitchen, six Har-Tru tennis courts, pickleball courts, bocce, billiards, cards, arts and crafts, a library, conference room, and an extensive calendar of clubs, leagues, and social activities. On-site property management and a year-round tennis professional add to the exceptional lifestyle. And the location is hard to beat. From The Cascades, you’re just minutes from Sarasota’s outstanding restaurants and shopping, vibrant downtown Sarasota, world-class golf, cultural and performing arts, area airports, and some of Florida’s most spectacular beaches, including Siesta Key, Lido Key, and Longboat Key. Beautifully maintained, exceptionally spacious, and ideally located, this is Florida living at its best—where your private oasis meets a vibrant resort-style community and everything Sarasota has to offer. Come see why this could be the home you’ve been waiting for!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,778

Sqft

0.19 ac

Lot size

2

Garage

2005

Year built

One

Levels

$247

Per sqft

55+ community

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Smart Home · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Irrigation System · Lighting · Private Yard · Rain Gutters · Sliding Doors

Community & fees

HOA fee$577/mo
Taxes (2025)$338/yr
PetsNo
CommunityAssociation Recreation - Owned · Deed Restrictions · Gated Community - No Guard · Irrigation-Reclaimed Water · No Truck/RV/Motorcycle Parking · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Sprinkler Recycled · Underground Utilities
WaterPublic

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.

$3,544 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property tax — 2025 actual bill$28
HOA fee — from the listing$577
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,365Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,365
Interest rate6.00%
Loan term

Estimated payment

$3,544/mo

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property taxes (actual bill)$28
HOA / condo fee$577
Est. insurance$160

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.

List $439K
$356KedgeAI estimate $396,874 · range $371K–$418K$457K

vs edgeAI estimate

+10.6%

$/sqft vs Sarasota actives

$247 vs $375

Days on market

36 vs 88 typical

Where $247/sqft sits among the 400 Sarasota actives

212 · this home
63
49
33
12
31
$158–410$410–662$662–914$914–1166$1166–1417$1417+

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 Cascades At Sarasota

Drive times from this address

Downtown Tampa≈ 56 min
Tampa Int’l Airport (TPA)≈ 64 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Sarasota. See the full Sarasota guide →

Cascades At Sarasota — neighborhood snapshot

Population

2,053

Median age

57

Median income

$104,250

Median home value

$471,900

Avg household

3

Households w/ children

169

For the school run

Manatee County School District

ElementaryMarjorie G. Kinnan Elementary School★★★★★
HighSoutheast High School★★★★★
MiddleBraden River Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Sarasota market

Seller’s marketLeans seller — 4.3 months of inventoryBuyer’s market

$475K → $493K

Sarasota median sold, yr/yr

95.2%

Sale-to-list ratio (12 mo)

192 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 35% above the SARASOTA 34243 median. See the full Sarasota market guide →

Paper trail

This home's history

Sep 4, 2026Listed at $439,000 · 36 days on market since
2005Built · CASCADES AT SARASOTA

Reality check

What actually sold near 4238 65TH TERRACE E

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6769 41ST STREET CIRCLE ESold · Oct ’26

$379,000

6769 41ST STREET CIRCLE E · same community

3 bd · 2 ba · 1,425 sqft · $266/sqft · 0 DOM

6702 41ST STREET CIRCLE ESold · Jul ’26

$560,000

6702 41ST STREET CIRCLE E · same community

3 bd · 2 ba · 2,159 sqft · $259/sqft · 64 DOM

4920 LINSEY COURTSold · Mar ’26

$411,500

4920 LINSEY COURT

3 bd · 2 ba · 1,769 sqft · $233/sqft · 160 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 4238 65TH TERRACE E — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4238 65TH TERRACE E — 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

4238 65TH TERRACE E FAQs

What would the monthly payment be for 4238 65TH TERRACE E?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,544/mo — principal and interest, the actual property-tax bill, the $577/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 4238 65TH TERRACE E?+

The association fee works out to $577 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4238 65TH TERRACE E?+

The most recent tax bill on record (2025) was $338. 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 4238 65TH TERRACE E?+

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 $439,000, this home is listed about 20% below the Sarasota median of $550,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4238 65TH TERRACE E?+

Marjorie G. Kinnan Elementary School (elementary), Southeast High School (high), Braden River Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of MICHAEL SAUNDERS & COMPANY · Ray Rausa. MLS #A4702689.

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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