4504 SILVER LINING STREET, SARASOTA, FL, 34238
Active19 days on marketListed Sep 1, 2026MLS #TB8542456
About this home
4504 SILVER LINING STREET
Welcome to this well-maintained 3-bedroom, 2.5-bath townhome in the gated community of Promenade at Palmer Ranch. Built in 2018, this home offers a comfortable and functional floor plan with a one-car garage and screened lanai. The primary suite features a walk-in closet and private en-suite bath, while the two additional bedrooms offer flexibility for a home office, guest space, or additional living area. The roof was replaced in 2025, adding peace of mind for the next owner. The Legacy Trail is just steps from the community, making it easy to enjoy walking, running, or biking right from home. Residents enjoy a resort-style pool and covered gathering area with an outdoor kitchen, creating a great space to relax and spend time with friends and family. The low monthly HOA includes water, sewer, trash, lawn maintenance, and community amenities. No CDD and no flood insurance required. Located in Palmer Ranch, the home is close to shopping, dining, golf, parks, and everyday conveniences, with Siesta Key Beach approximately 15 minutes away. Easy access to I-75 makes getting around Sarasota and surrounding areas convenient. Whether you're looking for a full-time residence, vacation home, or investment property, this townhome offers an opportunity to enjoy the Sarasota lifestyle with the convenience of low-maintenance living.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,724
Sqft
0.04 ac
Lot size
1
Garage
2018
Year built
Two
Levels
$206
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.
$3,032 /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
$3,032/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
+1%
$/sqft vs Sarasota actives
$206 vs $354
Days on market
19 vs 63 typical
Where $206/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)
198 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 37% above the SARASOTA 34238 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 4504 SILVER LINING STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$496,000
2442 HIVELY STREET
3 bd · 2 ba · 1,710 sqft · $290/sqft · 13 DOM
Sold · Mar ’26$425,000
5575 MODENA PLACE
2 bd · 2 ba · 1,693 sqft · $251/sqft · 35 DOM
Sold · Mar ’26$440,000
2405 VALENTINE STREET
3 bd · 2 ba · 1,755 sqft · $251/sqft · 14 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4504 SILVER LINING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4504 SILVER LINING STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4504 SILVER LINING STREET FAQs
What would the monthly payment be for 4504 SILVER LINING STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,032/mo — principal and interest, the actual property-tax bill, the $350/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 4504 SILVER LINING STREET?+
The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4504 SILVER LINING STREET?+
The most recent tax bill on record (2025) was $3,304. 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 4504 SILVER LINING STREET?+
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 $355,000, this home is listed about 36% below the Sarasota median of $552,448. The market section on this page shows how the area is trending.
Which schools are assigned to 4504 SILVER LINING STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Melissa Brashier. MLS #TB8542456.
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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