
1837 UPPER COVE TERRACE, SARASOTA, FL, 34231
Active11 days on marketListed Sep 29, 2026MLS #N6145964
About this home
1837 UPPER COVE TERRACE
Nestled in the highly sought-after Coral Cove neighborhood, this exceptional waterfront residence provides a rare opportunity to experience the best of Sarasota’s West of the Trail lifestyle. Boasting direct, bridge-free access to Little Sarasota Bay, this 3-bedroom, 2-bathroom home is a true haven for boating enthusiasts and those seeking a peaceful waterfront retreat. Situated in an X flood zone, the property offers added peace of mind while enjoying the Florida lifestyle. Tucked away on a private lot, the home overlooks a serene saltwater canal and features a 33’ composite boat and fishing dock, installed in 2023, with water and electric connections. Whether you enjoy fishing, boating, kayaking, or simply relaxing by the water, this backyard provides the perfect setting. The outdoor space features an extended back patio, poured concrete front and back, a spacious covered patio, and a private outdoor shower for added convenience after a day at the beach or on the water. The backyard is designed for relaxation and year-round enjoyment, featuring a versatile hot tub that can also be used as a splash pool, with temperatures ranging from 80 to 106 degrees. The hot tub is serviced every two weeks. Beautiful fountains at both the front and back of the property add to the peaceful ambiance, with fountain service and lawn maintenance provided every Thursday. Inside, the home offers a bright, open, and inviting layout with luxury vinyl flooring throughout. The elevated kitchen features updated can lighting and is designed for everyday living and entertaining. Tastefully selected higher-end furnishings complement the home and create a comfortable, polished atmosphere. The charming Florida room provides a cozy space to enjoy morning coffee while taking in the tranquil surroundings. Three comfortable bedrooms and two well-appointed bathrooms provide plenty of space for residents and guests. The oversized garage is more than just parking; it provides abundant storage and recreational amenities. With plenty of room for up to three vehicles, the garage is also stocked with beach chairs, games, and putt-putt golf equipment, making it easy to enjoy the Sarasota lifestyle. There is additional space for bikes, boating equipment, and other recreational gear. The property has been thoughtfully updated with numerous recent improvements. In 2025, the interior and exterior were fully repainted, and the roof was replaced. The road was recently paved, while brand-new insulation was installed to enhance energy efficiency. Updated light fixtures, including new can lighting in the kitchen, add a fresh, modern touch. The bathrooms were fully renovated in 2024, and a new A/C unit was installed in 2024 for added comfort and peace of mind. A Home Warranty is also included. Ideally located just a short drive from Siesta Key Beach, downtown Sarasota, St. Armands Circle, upscale shopping and dining, Legacy Trail, and Marie Selby Botanical Gardens, this home places you close to everything Sarasota has to provide while offering a private and tranquil waterfront escape. Enjoy boating from your own backyard, relaxing in the hot tub, rinsing off in the outdoor shower, using the beach and recreational equipment, and soaking in beautiful sunsets from the extended patio. This exceptional Coral Cove lease provides a comfortable, furnished, amenity-rich Florida lifestyle in one of Sarasota’s most desirable waterfront locations.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,964
Sqft
0.38 ac
Lot size
3
Garage
1959
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$207 /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
$207/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Sarasota actives
$3 vs $364
Days on market
11 vs 85 typical
Where $3/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 Coral Cove
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
Coral Cove — neighborhood snapshot
Population
493
Median age
44
Median income
$145,556
Median home value
$655,700
Avg household
3
Households w/ children
58%
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)
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 97% below the SARASOTA 34231 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 1837 UPPER COVE TERRACE
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$1,189,995
1837 UPPER COVE TERRACE · same community
3 bd · 2 ba · 1,964 sqft · $606/sqft · 110 DOM
Sold · Oct ’25$430,000
7413 STARFISH DRIVE · same community
4 bd · 3 ba · 2,000 sqft · $215/sqft · 6 DOM
Sold · Dec ’25$835,000
7535 COVE TERRACE · same community
3 bd · 2 ba · 1,928 sqft · $433/sqft · 52 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1837 UPPER COVE TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1837 UPPER COVE TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1837 UPPER COVE TERRACE FAQs
What would the monthly payment be for 1837 UPPER COVE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $207/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1837 UPPER COVE TERRACE?+
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 $6,500, this home is listed about 99% below the Sarasota median of $550,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1837 UPPER COVE TERRACE?+
Gulf Gate Elementary School (elementary), Riverview High School (high), Brookside Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the SARASOTA 34231 market on paper
$6,500 is 97% below the SARASOTA 34231 median of $240,000, and at $3/sqft it sits under the Sarasota average of $485.
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
Gulf Gate Elementary School, Riverview High School, Brookside Middle School — Riverview High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ON THE WATER S · Patrick Brogley. MLS #N6145964.
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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