521 CUMMINGS STREET

Property Details

Description

Under contract-accepting backup offers. 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.

Facts & Costs

Property type

Single Family Residence

Year built

1983

Lot size

9,500 sq ft

Stories

2

Garage

2 spaces

Price per sq ft

$580

Days on market

88

Private pool

Yes

Waterfront

Yes

Community

Ocean Beach

Subdivision

OCEAN BEACH REP

County

Sarasota

Flood zone

A12

Monthly & yearly costs

Property taxes

$7,154 / year (2025)

As reported by the listing agent. Verify with the HOA and county.

Construction & systems

Heating

Central, Electric, Ductless

Cooling

Central Air

Flooring

Ceramic Tile, Laminate

Roof

Metal

Construction

Concrete, Stucco, Frame

Parking

Boat, Driveway, Garage Door Opener, Ground Level, Oversized, Parking Pad

View

Water

Payment Estimate

$7,928 / month

Principal & interest

$7,332

Property taxes

$596

HOA

$0

Home insurance

enter below

Estimate only, not a loan offer. Rate is a starting value; taxes and HOA are as reported by the listing agent. Florida insurance (including flood) varies widely. Ask George for a lender referral.

Location

Features & Amenities

• Built-In Oven
• Dishwasher
• Disposal
• Dryer
• Electric Water Heater
• Range
• Refrigerator
• Washer
• Ceiling Fans(s)
• Open Floorplan
• Primary Bedroom Main Floor
• Solid Wood Cabinets
• Split Bedroom
• Stone Counters
• Thermostat
• Vaulted Ceiling(s)
• Balcony
• Gunite
• Heated
• In Ground
• Lighting
• Canal - Saltwater