4246 HEARTHSTONE DRIVE, SARASOTA, FL, 34238
Active22 days on marketListed Oct 16, 2026MLS #A4705937
About this home
4246 HEARTHSTONE DRIVE
Beautiful Lake Views | Gated Huntington Pointe | Palmer Ranch. Welcome to this light-filled 3-bedroom home with a private den/office, nestled in the desirable gated community of Huntington Pointe in Palmer Ranch. Enjoy peaceful lake views, a thoughtfully designed split-bedroom floor plan, and the added peace of mind of a barrel-tile roof replaced in 2020, a new A/C system in 2022, and a water heater in 2023. Beautifully updated bathrooms, including an elegant primary suite, bring modern comfort and style. An additional third bathroom offers extra convenience, with the permitting process currently underway. Ceramic tile flooring flows throughout the main living areas, while rich wood flooring adds warmth and character to the versatile den. The inviting kitchen features granite countertops, a breakfast bar, and a charming breakfast nook overlooking the lake. Step outside to enjoy Florida’s indoor-outdoor lifestyle with a covered terrace and screened lanai — perfect for morning coffee, entertaining guests, or simply relaxing while taking in the tranquil waterfront scenery. An additional full bathroom featuring a walk-in shower, toilet, and vanity provides extra convenience for guests and family. Located in a well-established gated community with low annual HOA fees, this home offers privacy, comfort, and an exceptional Palmer Ranch location. The location is close to lots of shopping and restaurants, the Legacy biking and walking trail, Oscar Scherer State Park, Siesta Key's world-famous snow-white quartz sand beach, Nokomis Beach, churches, libraries, Pine View School for Gifted Students, and marinas and access to Sarasota Bay for boating, fishing, and kayaking to watch the manatees and dolphins. The new and original Sarasota Memorial Hospital campuses are not far away. Experience the perfect blend of relaxed Florida living, scenic lake views, and everyday convenience!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,150
Sqft
0.2 ac
Lot size
2
Garage
1993
Year built
One
Levels
$298
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.
$4,924 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$4,924/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+29.7%
$/sqft vs Sarasota actives
$298 vs $309
Days on market
22 vs 66 typical
Where $298/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 34238 — neighborhood snapshot
Population
22,808
Median age
63.9
Median income
$94,583
Median home value
$532,800
Avg household
1.94
Households w/ children
1,611
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
$450K → $491K
Sarasota median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
173 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 142% above the SARASOTA 34238 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 4246 HEARTHSTONE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$715,000
4170 HEARTHSTONE DRIVE · same community
3 bd · 2 ba · 2,120 sqft · $337/sqft · 5 DOM
Sold · Oct ’26$542,000
9010 ASHBOURNE COURT · same community
3 bd · 2 ba · 2,089 sqft · $259/sqft · 1 DOM
Sold · Feb ’26$546,000
9017 HUNTINGTON POINTE DRIVE · same community
3 bd · 2.5 ba · 2,256 sqft · $242/sqft · 5 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4246 HEARTHSTONE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4246 HEARTHSTONE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4246 HEARTHSTONE DRIVE FAQs
What would the monthly payment be for 4246 HEARTHSTONE DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,924/mo — principal and interest, the actual property-tax bill, the $120/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 4246 HEARTHSTONE DRIVE?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4246 HEARTHSTONE DRIVE?+
The most recent tax bill on record (2025) was $4,524. 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 4246 HEARTHSTONE DRIVE?+
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 $640,000, this home is listed about 15% above the Sarasota median of $555,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4246 HEARTHSTONE DRIVE?+
Gulf Gate 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
$640,000 runs 142% above the SARASOTA 34238 median — but at 2,150 sqft it's also 28% larger than the typical Sarasota listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Gulf Gate Elementary School, Sarasota Middle School, Riverview High School — Sarasota Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Irina Grissom. MLS #A4705937.
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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