4540 KIPLING CIRCLE, SARASOTA, FL, 34241
Active246 days on marketListed Nov 21, 2025MLS #TB8450626
About this home
4540 KIPLING CIRCLE
Welcome to this beautifully maintained single-family home located in the highly desirable Lake Sarasota community. This bright and inviting 5-bedroom, 3.5-bath property offers a perfect blend of comfort, style, and convenience—ideal for families, professionals, or anyone seeking peaceful Florida living. Open-concept living area with abundant natural light. Updated kitchen featuring modern appliances, ample cabinetry, and a breakfast bar. Primary suite with ensuite bathroom and generous closet space. Four additional bedrooms perfect for guests, family, or a home office. Screened lanai overlooking a large, fenced backyard—great for relaxing or entertaining. Attached garage with plenty of storage. Nestled in a quiet, friendly neighborhood with easy access to I-75, top-rated schools, parks, shopping, restaurants, and Sarasota’s world-famous beaches.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,953
Sqft
0.31 ac
Lot size
3
Garage
2001
Year built
One
Levels
$2
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.
$193 /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
$193/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 BENT TREE VILLAGE
$2 vs $271
Days on market
246 vs 58 typical
Where $2/sqft sits among the 12 homes for sale in BENT TREE VILLAGE
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 34241 — neighborhood snapshot
Population
15,651
Median age
51
Median income
$113,114
Median home value
$479,700
Avg household
2.62
Households w/ children
1,633
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
$470K → $470K
Sarasota median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
6 of 12
BENT TREE VILLAGE have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the SARASOTA 34241 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 4540 KIPLING CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$850,000
5012 CHERRY LAUREL WAY · same community
3 bd · 3 ba · 2,900 sqft · $293/sqft · 13 DOM
Sold · Jun ’26$837,500
7758 SILVER BELL DRIVE · same community
4 bd · 3 ba · 3,012 sqft · $278/sqft · 6 DOM
Sold · Dec ’25$785,000
7300 WAX MYRTLE WAY · same community
3 bd · 2.5 ba · 3,085 sqft · $254/sqft · 75 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4540 KIPLING CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4540 KIPLING CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4540 KIPLING CIRCLE FAQs
What would the monthly payment be for 4540 KIPLING CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $193/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 4540 KIPLING CIRCLE?+
The listing reports pets: No. 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 $4,490, this home is listed about 99% below the Sarasota median of $570,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4540 KIPLING CIRCLE?+
Lakeview 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
Five things that matter here
01Under the SARASOTA 34241 market on paper
$4,490 is 99% below the SARASOTA 34241 median of $599,000, and at $2/sqft it sits under the Sarasota average of $496.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
246 days on market against a Sarasota median of 58 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lakeview Elementary School, Sarasota Middle School, Riverview High School — Lakeview Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $5,500, now $4,490 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME TOWN REALTY, INC. · Sang Nguyen. MLS #TB8450626.
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 Sarasota homes, in your inbox
Like 4540 KIPLING CIRCLE but not quite? A daily digest of every new listing in Sarasota — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Darrick to ping you on any price or status change →