CENTURY 21 Edge
$6,5003 bd2 ba1,964 sqft$3 /sqft≈$207 /mo all-in ↓

1837 UPPER COVE TERRACE, SARASOTA, FL, 34231

Active11 days on marketListed Sep 29, 2026MLS #N6145964

✦ Priced 97% below the SARASOTA 34231 medianWaterfrontSingle Family ResidenceCORAL COVE

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

WaterfrontTrees/Woods viewNegotiablePets allowed

Inside

FlooringEpoxy · Luxury Vinyl · Tile
AppliancesDryer · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Solid Surface Counters
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

ViewTrees/Woods
FacesSoutheast
ParkingBoat · Circular Driveway · Driveway · Garage Door Opener · Golf Cart Parking · Oversized
ExteriorIrrigation System · Lighting · Storage

Community & fees

PetsYes
CommunityGolf Carts OK · Park

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sprinkler Well · Water Connected
WaterPublic

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%

Principal & interest$38
FHA mortgage insurance (est.)$3
Est. property taxes (1.1%/yr)$6
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $228Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $228
Interest rate6.00%
Loan term

Estimated payment

$207/mo

Principal & interest$38
FHA mortgage insurance (est.)$3
Est. property taxes$6
Est. insurance$160

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

149 · this home
107
62
35
17
30
$3–280$280–557$557–834$834–1111$1111–1388$1388+

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

Downtown Tampa≈ 68 min

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

ElementaryGulf Gate Elementary School★★★★★
HighRiverview High School★★★★★
MiddleBrookside Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Sarasota market

Seller’s marketLeans seller — 4.3 months of inventoryBuyer’s 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

Sep 29, 2026Listed at $6,500 · 11 days on market since
1959Built · CORAL COVE

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.

1837 UPPER COVE TERRACESold · May ’26

$1,189,995

1837 UPPER COVE TERRACE · same community

3 bd · 2 ba · 1,964 sqft · $606/sqft · 110 DOM

7413 STARFISH DRIVESold · Oct ’25

$430,000

7413 STARFISH DRIVE · same community

4 bd · 3 ba · 2,000 sqft · $215/sqft · 6 DOM

7535 COVE TERRACESold · 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1837 UPPER COVE TERRACE — start here.

Andrew Acosta

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.

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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