6640 WATERFORD LANE, SARASOTA, FL, 34238
Active32 days on marketListed Aug 21, 2026MLS #N6145272
About this home
6640 WATERFORD LANE
Welcome to this beautifully renovated 2-bedroom, 2-bathroom home situated on an oversized 0.38-acre homesite in highly desirable Gulf Gate East, offering an exceptional combination of modern updates, culdesac privacy and an unbeatable Sarasota location. With 1,348 square feet of inviting living space, this home is truly move-in ready. The well-designed floor plan features two distinct living areas, offering flexibility for both everyday living and entertaining. A welcoming living room is complemented by a family room with beautiful built-in cabinetry, creating the perfect setting for relaxing, gathering, or displaying your favorite décor. Wood-plank tile flooring flows throughout the home and is enhanced by upgraded crown molding, new blinds and French doors. The updated kitchen features stainless steel appliances, new cabinetry, recessed lighting and a charming pass-through window opening to the lanai, making indoor-outdoor entertaining effortless. Both bathrooms have been refreshed with updated vanities and toilets. Extensive improvements provide added style and peace of mind, including new windows and exterior doors, hurricane shutters, a new garage door, repiped plumbing within the home, an upgraded electrical panel and an alarm system. Step outside and discover your own private backyard oasis. The beautiful extended screened lanai provides plenty of room for relaxing, dining, and entertaining while overlooking the expansive, fully fenced backyard. Mature landscaping enhances the tropical setting with a variety of established plantings, including day-blooming jasmine and plumeria. Create your own garden, enjoy the abundance of outdoor space or take advantage of the generous yard with plenty of room to add a future pool. The oversized 0.38-acre lot offers a rare sense of space and privacy while still being conveniently located in the heart of Sarasota. Additional upgrades include an enhanced screened garage with a side entry door and fresh sod in the front yard. The Legacy Trail, a 12.5-mile paved path for walking and biking, is close by, while golf enthusiasts will appreciate easy access to championship courses, including TPC Prestancia. Costco, Publix, restaurants, shopping, and everyday conveniences are all just minutes away. The nearby Sarasota Square property is being transformed into an exciting mixed-use destination planned to feature upscale retail and dining, green spaces, lifestyle and office components, and a modern town-center atmosphere anchored by Whole Foods Market. Best of all, the world-famous sugar-sand shores of Siesta Key Beach are approximately 6 miles away, allowing you to enjoy the very best of the Sarasota lifestyle. Fully renovated, beautifully updated, and tucked away on a quiet cul-de-sac with an oversized private lot in Gulf Gate East, this home offers the space, privacy, and location you've been looking for. Call today to schedule your private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,348
Sqft
0.38 ac
Lot size
2
Garage
1980
Year built
One
Levels
$371
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.
$3,556 /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
$3,556/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
+14.3%
$/sqft vs Sarasota actives
$371 vs $352
Days on market
32 vs 63 typical
Where $371/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
$475K → $493K
Sarasota median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
204 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 93% above the SARASOTA 34238 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 6640 WATERFORD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$475,000
6618 EASTON DRIVE · same community
2 bd · 2 ba · 1,226 sqft · $387/sqft · 7 DOM
Sold · Mar ’26$400,000
6675 EASTON DRIVE · same community
3 bd · 2 ba · 1,485 sqft · $269/sqft · 190 DOM
Sold · Oct ’25$415,000
4368 KINGSTON LOOP · same community
3 bd · 2 ba · 1,574 sqft · $264/sqft · 19 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6640 WATERFORD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6640 WATERFORD LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6640 WATERFORD LANE FAQs
What would the monthly payment be for 6640 WATERFORD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,556/mo — principal and interest, the actual property-tax bill, the $25/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 6640 WATERFORD LANE?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6640 WATERFORD LANE?+
The most recent tax bill on record (2025) was $2,483. 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 6640 WATERFORD LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 $499,900, this home is listed about 10% below the Sarasota median of $552,448. The market section on this page shows how the area is trending.
Which schools are assigned to 6640 WATERFORD LANE?+
Sarasota Middle School (middle), Ashton Elementary School (elementary), 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
$499,900 runs 93% above the SARASOTA 34238 median.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Sarasota Middle School, Ashton Elementary 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 COMPASS FLORIDA LLC · Erica Giesler. MLS #N6145272.
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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