4598 Cactus Ave, photo 1
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Overview

3 bd2 ba1,895 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1989
Lot12,631 sqft
Living area1,895 sqft
Price / sqft$277
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanSolid Surface CountersWalk-in Closet(s)Window TreatmentsRain Barrel/Cistern(s)Dishwasher

4598 Cactus Ave is a 1989-built home in Flora Villa Final Surv, Sarasota. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,895 square feet of living space. Listed at $525,000 (about $277/sqft), 16 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Welcome to this updated three-bedroom, two-bath home in Flora Villa, tucked onto a quiet dead-end street beneath mature trees and spread across an oversized 0.29-acre lot. This charming home has curb appeal to spare with a sweeping front porch that invites you to sit a spell, and have a cold glass of ice tea. Inside, the one-story plan opens easily from a generous living room with a wood-burning fireplace through to the renovated kitchen, where granite counters, solid wood cabinetry, stainless appliances, and a breakfast nook make cooking and dining a real joy. A flexible bonus room works just as well as an office, den, playroom, or extra guest space, and waterproof, scratch-resistant vinyl plank flooring runs throughout the home. Both bathrooms have been renovated, the primary bath includes a fabulous spa shower plus a lovely vanity with double sinks, and both the primary as well as one of the guests bedrooms have roomy well organized walk-in closets. The backyard is where you will truly enjoy Florida living. The yard is fully fenced, the pavers create a true outdoor living floor, and the pergola turns the space into a shaded room for morning coffee, long dinners, and weekend gatherings without leaving home. It is private and perfect for pets and children, large enough to linger, and set up as an extension of the house rather than an afterthought. Out front, a French drain and gutter guards help keep the property tidy, and the exterior has fresh paint. The oversized side-load two-car garage includes an EV charger, newly painted floor, and a newer garage door opener. Practical updates continue inside with whole-house water filtration/water softener and reverse osmosis in the kitchen (sink and refrigerator), added attic insulation, whole-house surge protection, a newer washer, microwave, brand new garbage disposal, kitchen faucet, and laundry cabinet. There are no deed restrictions here, so you can make this home and lot your own without an association dictating paint colors, parking, or how you use your backyard. This home sits in FEMA Flood Zone X, which means it is mapped outside the high-risk floodplain. In practical terms, that is one of the strongest flood designations you can have in this part of Sarasota: federally backed lenders typically do not require flood insurance the way they do in coastal A and V zones, and the mapped flood risk is far lower than homes closer to the water. You still get a short drive to Siesta Key, Lido Beach, and St. Armands Circle, without taking on that high-risk beach flood zone. Bee Ridge Park is a walk away for playground time, sand volleyball, baseball, and basketball, and everyday shopping and dining line the Bee Ridge and Clark Road corridors. HCA Florida Sarasota Doctors Hospital is nearby on Bee Ridge Road, with Sarasota Memorial a short drive toward downtown. What really sets the location apart is how close the Gulf is: Siesta Key’s world-famous quartz sand is a short drive west, Lido Beach and St. Armands Circle are close enough for an after-work sunset or a Saturday on the water, and downtown Sarasota’s bayfront, dining, and arts scene is an easy trip when you want the city without living in the middle of it.

The essentials

Built
1989
Price / sqft
$277
On market
16 days
Annual tax
$3,816
Flood zone
X · Low risk
Lot
12,631 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
2 car garage
Driveway
0.29 acres
Lot size
1,895 sqft
Living area

Payment

Est. monthly payment
$3,319/mo
Down payment (20%)
$105,000
Property taxes
$318/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
12,631 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Garage Faces Side
Days on Market
16
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Solid Surface Counters
Walk-in Closet(s)
Window Treatments
Rain Barrel/Cistern(s)
Dishwasher
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Elementary
Wilkinson Elementary
Middle
Brookside Middle
High
Riverview High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$3,816
Parcel #
0073070096

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Flora Villa Final Surv
County
Sarasota
MLS Area
34231 - Sarasota/Gulf Gate Branch
Lot Size
12,631 sqft
In CountyLandscapedPrivateStreet Dead-EndPaved

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #A4707912
$525,000
$277/sqft

Neighborhood

4598 Cactus Ave
Sarasota, FL, 34231 · 34231 - Sarasota/Gulf Gate Branch

Market insights

Offer Insights

Choose an offer strength

List price: $525,000
$505,000 – $525,000
96.5% – 100% of listTops out right at the list price
80% of listList price
106 of the last 210 home closings in 34231 landed at this number or higher (50%). The median one sat 39 days before it went under contract, and this one is on day 16.

Sample: 210 closed home sales in 34231 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,319/mo
Principal & interest$2,738
Property taxes$318
Insurance$263
Down payment20% · $105,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$525,000

$277 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,895 sq ft

Time on market

16 days

Year built

1989

Monthly payment

About $3,319/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,816 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byRONNIE DEWITT AND ASSOCIATESListing agent: Ronnie DeWittListing data from Stellar MLS, MLS# A4707912.

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