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Under contract-accepting backup offers. 2508 Waterfront Cir, Sarasota, FL 34240 | 5 Bedrooms + Den | 5. 5 Bathrooms | 4, 695 Sq Ft | Monterey at Lakewood Ranch | Built 2025
Here is what you cannot get from the builder today: a finished, fully upgraded home in Monterey at Lakewood Ranch that is ready to move into right now, with over $200K in owner upgrades already done, paid for, and waiting for you. No design center appointments. No construction timeline. No surprises. Just a completed 2025 estate that is better than what the builder is delivering around it, available the moment you are ready.
The moment you walk through the door, you understand what sets this home apart. A grand two-story foyer opens to a custom oak staircase and draws your eye through 4, 695 square feet of thoughtfully finished living space. The current owners replaced the builder flooring throughout the main living areas with 9. 5-inch wide custom oak hardwood, hand-selected and installed after closing. Ten-inch baseboards, cathedral and tray ceilings, recessed lighting throughout, a curated custom lighting package, and custom Rockwood plantation shutters create an interior that feels cohesive, elevated, and finished in a way that new construction rarely achieves without years of ownership behind it.
At the center of the home, the open-concept great room and chef's kitchen are built for the way people actually live. The kitchen anchors everything with an oversized island, pendant lighting, breakfast bar seating, quartz countertops with a full matching backsplash, abundant cabinetry, a natural gas cooktop, built-in oven, stainless steel appliances, a large walk-in pantry, and a separate butler's pantry for the moments when prep space actually matters. The great room transitions naturally to a large second-floor bonus space that functions equally well as a media room, game room, or additional lounge. A dedicated first-floor office with French doors provides a quiet, private setting for remote work without removing you from the flow of the home.
The primary suite is a retreat. A tray ceiling, dual walk-in closets, and a spa-caliber bath with split dual vanities, a freestanding soaking tub, and an oversized walk-in shower tiled to the ceiling with multiple shower heads, a rain showerhead, built-in benches, and inset niches deliver the kind of finish that buyers in this price range are looking for and rarely find already done. Three of the four secondary bedrooms include private en suite baths, every bedroom features a walk-in closet, and the laundry room is outfitted with built-in cabinetry and a utility sink.
Out back, the large pavered patio and conservation view create a private, natural backdrop that gives the outdoor living areas a sense of openness and calm that is genuinely difficult to replicate. This is where mornings start and evenings wind down, and the setting delivers that from day one.
A large pavered driveway and generous parking carry the same intentionality as the interior, polished and functional before anyone reaches the front door. Monterey at Lakewood Ranch is a gated community positioned within one of the country's premier master-planned communities, putting I-75, golf, parks, and Gulf Coast beaches all within easy reach.
Builder inventory in Monterey is still active, but none of it comes finished, upgraded, and ready like this. If you have been considering new construction and want the result without the process, this is the home. Schedule your private tour today.
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,239,920 | $1,239,920 | $1,239,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.000% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.263% | 6.145% | 6.117% |
| Monthly Tax Payment | $225 | $225 | $225 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,236 | $7,434 | $10,380 |
| Total Monthly Payment | $7,586 | $7,784 | $10,730 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.