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521 CUMMINGS STREET

House For Sale
$1,450,000

BTC: 22.65625000

ETH: 762.09897826

10 days
Waterfront
3 bds
3 ba
2,500 sqft

Overview

Tucked away on a quiet cul-de-sac on north Siesta Key, this Key West-inspired canal-front retreat captures the ease of casual island living with boating water, inviting outdoor spaces and easy access to Siesta Village, the famous white quartz sands of Siesta Beach and the azure waters of the Gulf. Set along 95 feet of private canal frontage just off the Grand Canal, the property offers a dock, a covered 5,000-pound boat lift and direct access to the Intracoastal Waterway, creating an ideal setting for those who want to enjoy the water from their own backyard. Designed for effortless indoor-outdoor living, the home features an expansive elevated deck and contemporary cable railings overlooking the canal and surrounding natural scenery, a heated pool with a cascading stone waterfall, a covered bar area and a fenced, low-maintenance yard surrounded by tropical landscaping. Whether hosting friends, relaxing after a day on the boat or enjoying the island breeze, the outdoor areas offer a private, versatile setting for everyday enjoyment. Inside, vaulted ceilings, a neutral palette and an open-concept layout create a light, comfortable atmosphere. The kitchen is positioned at the heart of the home and features granite countertops, stainless steel appliances, dual sinks, a center island with a JennAir cooktop and a breakfast bar that connects easily to the main living and dining areas. A wood-burning fireplace adds warmth and character to the gathering space. The primary suite offers a peaceful retreat with sliding glass doors opening to a screened lanai, along with an en-suite bath featuring dual vanities, a walk-in shower and a charming window seat. Two additional bedrooms are thoughtfully positioned in their own wing with a full bath and convenient laundry room nearby. Additional features include impact glass on most openings, hurricane-rated doors, metal roof, Nichiha siding, Trex decking, cable railings, two garages and a full pool bath, bonus room and storage area on the ground level. Positioned at one of the highest elevations on the street, the home offers added peace of mind in storm season. Just a short distance from Siesta Key’s renowned beaches, vibrant Village dining, boutiques and nightlife, this move-in-ready waterfront home offers exceptional flexibility as a full-time residence, seasonal getaway or investment opportunity in one of Sarasota’s most beloved island communities. Close to the Out-of-Door Academy’s lower school and only 15 minutes by car to vibrant downtown Sarasota’s restaurants, shopping and entertainment.

Location

Details

Type:
Residential
Parking:
Boat / Driveway / Garage Door Opener / Ground Level / Oversized / Parking Pad
Year Built:
1983
Lot:
0.22 Acres
Heating:
Central / Electric / Wall Units / Window Unit
Price/sqft:
$580
Cooling:
Central Air
HOA:
No Data

Valuation

Our model vs. what's actually selling nearby.
Estimate
$742,450
$433K – $1.5M
Confidence Low
List vs. estimate
$707K above estimate
List $1,450,000 · +95.3%
Our model says this listing is priced above recent comparable activity. Room to negotiate.
Price per sq ft
$580
+78.1% vs. city median $325
Based on
34 MLS comparables
Median of recent comparable listings. Sold comps use closing price, active listings use list price.

Highlights

Annual tax
$7,154
2025
Pool
Gunite
View
Water
Waterfront
Canal - Saltwater
Garage
2 car garage
Pets
Allowed
All facts and features
  • Flooring

    • Ceramic Tile

    • Laminate

    Heating

    • Central

    • Electric

    • Wall Units / Window Unit

    Cooling

    • Central Air

    Appliances

    • Built-In Oven

    • Dishwasher

    • Disposal

    • Dryer

    • Electric Water Heater

    • Range

    • Refrigerator

    • Washer

    Other interior features

    • Ceiling Fan(s)

    • Open Floorplan

    • Primary Bedroom Main Floor

    • Solid Wood Cabinets

    • Split Bedroom

    • Stone Counters

    • Thermostat

    • Vaulted Ceiling(s)

    Bedrooms and bathrooms

    • Bedrooms: 3

    • Full bathrooms: 3

  • Parking

    • Boat

    • Driveway

    • Garage Door Opener

    • Ground Level

    • Oversized

    • Parking Pad

    Property

    • Levels: Multi/Split

    • Pool Private: Yes

    • Exterior Features: Balcony / Sliding Doors

    Lot

    • Lot: 0.22 Acres

    Other Property Information

    • Parcel Number: 0079140013

    • Zoning: RSF2

  • Type and style

    • Property Type: Residential

    • Property Sub Type: Single Family Residence

  • Utility

    • BB/HS Internet Available

    • Cable Available

    • Electricity Connected

    • Public

    • Sewer Connected

    • Street Lights

    • Water Connected

  • Other financial information

    • Annual tax amount: $7,154

  • Source details

    • MLS ID: A4696604

    Other facts

    • Construction Materials: Concrete / Stucco / Wood Frame

    • Foundation Details: Slab

    • Fireplace Features: Wood Burning

    • Laundry Features: Inside / Laundry Room

    • Lot Features: Cul-De-Sac / FloodZone / Landscaped

    • Patio And Porch Features: Covered / Deck / Front Porch / Patio / Rear Porch / Screened

    • Pool Features: Gunite / Heated / In Ground / Lighting

    • Window Features: Blinds

    • Direction Faces: Southeast

    • Architectural Style: Custom / Other

    • Waterfront: Yes

    • Fireplace: Yes

    • Garage Spaces: 2

    • Attached Garage: Yes

    • Garage: Yes

    • Living Area: 2500

    • Water Source: Public

    • Subdivision Name: OCEAN BEACH REP

Private inquiry
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The multiple listing information is provided by the Stellar MLS from a copyrighted compilation of listings. The compilation of listings and each individual listing are ©2026-present Stellar MLS. All Rights Reserved. The information provided is for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale or withdrawal. All information provided is deemed reliable but is not guaranteed accurate, and should be independently verified. Listing courtesy of: PREMIER SOTHEBY'S INTERNATIONAL REALTY