120 VILLA DRIVE UNIT 120, OSPREY, FL, 34229
Active7 days on marketListed Oct 5, 2026MLS #A4708477
About this home
120 VILLA DRIVE UNIT 120
FULLY FURNISHED WATERFRONT VILLA • PRIVATE DOCK WITH 10,000-LB BOAT LIFT • NO FIXED BRIDGES • DIRECT ACCESS TO THE INTRACOASTAL WATERWAY & GULF OF AMERICA! BRING YOUR BOAT AND START LIVING THE FLORIDA WATERFRONT LIFESTYLE! Welcome to this fully furnished, 2-bedroom, 2-bath waterfront villa in Sorrento Villas, offering an exceptional boating opportunity with NO FIXED BRIDGES between your private dock and the Intracoastal Waterway! Featuring a private dock, 10,000-lb boat lift and unobstructed bridge clearance to the ICW, this property is especially appealing to boating enthusiasts seeking convenient access for larger vessels. Cruise the Intracoastal Waterway, head into the Gulf of America, explore Siesta Key and Midnight Pass, or spend the afternoon discovering waterfront restaurants and nearby coastal destinations. With your boat just steps from your back door, the Florida boating lifestyle is yours to enjoy! Inside, discover 1,404 square feet of inviting living space, offered FULLY FURNISHED for a convenient, turnkey transition to waterfront living. The open floor plan features tile flooring, a spacious living area and an updated kitchen with wood cabinetry, granite countertops, stainless steel appliances, a large island and an extended breakfast bar. A natural stone accent wall adds character, while expansive windows and glass doors fill the living areas with natural light and showcase the waterfront setting. Outdoor living is where this property truly shines! Step onto your screened lanai and enjoy peaceful canal views, tropical landscaping and the coastal breeze. Just beyond the lanai, a limestone walkway leads to your waterfront patio and private dock, creating an inviting setting for morning coffee, afternoon relaxation or evening conversations overlooking the water. Boating enthusiasts will appreciate the updated dock, 10,000-lb boat lift, dedicated fish-cleaning station and updated water and electrical connections. The dock approach has also been raised with additional cement. Numerous improvements include a new electrical panel and breakers, new lanai screening, rain gutters, updated landscaping, a new garage door motor, track and keypad, luxury vinyl plank flooring in the primary bedroom and an updated kitchen faucet. Additional features include hurricane shutters, a tile roof installed in 2009, an A/C system installed in 2015 and an attached garage. Ideally located in Osprey between Sarasota and Venice, this waterfront retreat offers convenient access to Siesta Key, Nokomis Beach, Oscar Scherer State Park, shopping, dining and outdoor recreation. FULLY FURNISHED AND READY FOR YOUR NEXT CHAPTER! With no fixed bridges to the Intracoastal Waterway, direct boating access to the Gulf of America, a private dock and a 10,000-lb boat lift, this property offers the freedom to explore Southwest Florida's waterways right from your backyard. YOUR BOAT. YOUR DOCK. YOUR GATEWAY TO THE GULF!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,404
Sqft
0 ac
Lot size
1
Garage
1978
Year built
One
Levels
$331
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.
$4,053 /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
$4,053/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
+82.9%
$/sqft vs Osprey actives
$331 vs $372
Days on market
7 vs 109 typical
Where $331/sqft sits among the 91 Osprey 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 Sorrento
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Osprey. See the full Osprey guide →
Sorrento — neighborhood snapshot
Population
2,609
Median age
61
Median income
$96,884
Median home value
$496,323
Avg household
2
Households w/ children
156
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Osprey market
$723K → $765K
Osprey median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
42 of 91
Osprey actives have cut their price
Median sold price, Osprey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the OSPREY 34229 median. See the full Osprey market guide →
Paper trail
This home's history
Reality check
What actually sold near 120 VILLA DRIVE UNIT 120
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$130,000
106 VILLA DRIVE UNIT 106 · same community
2 bd · 2 ba · 1,578 sqft · $82/sqft · 81 DOM
Sold · Mar ’26$218,000
430 BOTTICELLI DRIVE UNIT 430
2 bd · 2 ba · 1,416 sqft · $154/sqft · 125 DOM
Sold · May ’26$220,000
315 DANTE DRIVE UNIT 315
2 bd · 2 ba · 1,389 sqft · $158/sqft · 114 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 120 VILLA DRIVE UNIT 120 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 VILLA DRIVE UNIT 120 — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
120 VILLA DRIVE UNIT 120 FAQs
What would the monthly payment be for 120 VILLA DRIVE UNIT 120?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,053/mo — principal and interest, the actual property-tax bill, the $529/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 120 VILLA DRIVE UNIT 120?+
The association fee works out to $529 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 VILLA DRIVE UNIT 120?+
The most recent tax bill on record (2025) was $5,056. 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 120 VILLA DRIVE UNIT 120?+
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 Osprey?+
At $465,000, this home is listed about 34% below the Osprey median of $700,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 VILLA DRIVE UNIT 120?+
Laurel Nokomis School (elementary), Venice Senior High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the OSPREY 34229 market on paper
$465,000 is 26% below the OSPREY 34229 median of $629,400, and at $331/sqft it sits under the Osprey average of $419.
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 $529/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 7 days on market in a Osprey market that averages 109 — if it fits, move quickly.
05Strong assigned schools
Laurel Nokomis School, Venice Senior High School — Laurel Nokomis School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MANGROVE REALTY ASSOCIATES · Antonio Lopez. MLS #A4708477.
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.
Never miss a listing
New Osprey homes, in your inbox
Like 120 VILLA DRIVE UNIT 120 but not quite? A daily digest of every new listing in Osprey — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Gianfranco to ping you on any price or status change →