5516 CARTAGENA DRIVE, SARASOTA, FL, 34233
Active43 days on marketListed Aug 28, 2026MLS #A4704436
About this home
5516 CARTAGENA DRIVE
Welcome to 5516 Cartagena Drive, a beautifully maintained 3-bedroom, 2-bath lakefront home with 1,842 square feet in the COMPLETELY MAINTENANCE FREE intimate gated community of Ashton Pointe, a private 49-home enclave with quiet cul-de-sac streets. The open-concept interior features tile flooring, crown molding, and a spacious kitchen with stainless steel appliances, granite countertops, a large island, and generous pantry. The primary suite offers a walk-in closet and en suite bath with granite double vanity, walk-in shower, and soaking tub. Enjoy peaceful lake views from the backyard, along with a gated area. Additional features include a dedicated laundry room and true two-car garage with storage racks. Major upgrades include a new high-efficiency, two-stage Comfort-Maker heat pump A/C system with all-new duct-work installed September 2025, backed by a 10-year warranty, plus an Air Scrubber purification system, electronic air cleaner, and new attic insulation for enhanced efficiency and comfort. Conveniently located just off Clark Road near shopping, dining, I-75, and Sarasota’s Gulf beaches, this home combines lakefront living, privacy, significant recent upgrades, and an excellent Sarasota location. Strategically priced, the sellers’ firm asking price reflects the home’s exceptional value. I can also tighten this further into a more punchy **MLS-style version** while keeping all the major upgrades.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,842
Sqft
0.13 ac
Lot size
2
Garage
2014
Year built
One
Levels
$288
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.
$4,171 /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
$4,171/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.
vs edgeAI estimate
+8.1%
$/sqft vs Sarasota actives
$288 vs $391
Days on market
43 vs 88 typical
Where $288/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 Ashton Pointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
Ashton Pointe — neighborhood snapshot
Population
973
Median age
38
Median income
$96,250
Median home value
$393,900
Avg household
3
Households w/ children
168
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)
203 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 96% above the SARASOTA 34233 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 5516 CARTAGENA DRIVE
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$490,000
5438 CARTAGENA DRIVE · same community
3 bd · 2 ba · 1,842 sqft · $266/sqft · 142 DOM
Sold · Jun ’26$670,000
5439 CARTAGENA DRIVE · same community
4 bd · 2.5 ba · 2,420 sqft · $277/sqft · 32 DOM
Sold · Mar ’26$565,000
5522 CARTAGENA DRIVE · same community
4 bd · 2.5 ba · 2,728 sqft · $207/sqft · 103 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5516 CARTAGENA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5516 CARTAGENA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5516 CARTAGENA DRIVE FAQs
What would the monthly payment be for 5516 CARTAGENA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,171/mo — principal and interest, the actual property-tax bill, the $237/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 5516 CARTAGENA DRIVE?+
The association fee works out to $237 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5516 CARTAGENA DRIVE?+
The most recent tax bill on record (2025) was $5,039. 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 5516 CARTAGENA DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $530,000, this home is listed about 4% below the Sarasota median of $550,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5516 CARTAGENA DRIVE?+
Ashton Elementary School (elementary), Sarasota Middle School (middle), Riverview High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$530,000 runs 96% above the SARASOTA 34233 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Ashton Elementary School, Sarasota Middle School, Riverview High School — Ashton Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Lee Brewer. MLS #A4704436.
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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