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List Price

$435,000

5054 San Jose, Sarasota, FL 34235

43 days on market

Estimated Payment

$2,891/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,143 Square FeetYear builtBuilt 1981

Listed by

Janice Litke

MEDWAY REALTY

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DeSoto Lakes is a charming, established residential neighborhood with no deed restrictions and no community fees. Rarely does a home like this come on the market in desirable DeSoto Lakes. Meticulously maintained and set on a lot of more than a quarter acre, this 3-bedroom, 2-bath home offers a great opportunity for a family home. The updated kitchen has newer appliances, granite countertops and plenty of cabinet space. The spacious dining room flows into the cozy living room, complete with a cozy wood-burning fireplace. The extended large lanai has a covered roof section and large patio deck that surrounds the generous sized swimming pool. It’s perfect for entertaining and for family to enjoy all year long. The expansive backyard offers a view of beautiful landscaping, trees and foliage making it a serene relaxing escape. The new gazebo, surrounded by nature, offers a peaceful place to start your day enjoying your morning coffee, or relaxing after a long day with an evening nightcap while enjoying wildlife and nature. Adding to this wonderful home is a newer air conditioner(2020) complete with new UV bulbs and cleaned vents. New water heater (2024), and a new pool pump(2026) that ensures years of stress-free maintenance of the swimming pool. The pool deck has new recoated patio pavers and a new resealed rear patio roof. New electrical breaker box(2025), new stove(2025), dishwasher (2025), Kitchen Cabinets with granite countertops. New dryer(2025), new washer/dryer connections (2026). The garage door motor was replaced(2024) and the garage floor was refurbished in 2025. The backyard has new fencing for privacy and perfect for your fur babies, The roof and all new hurricane windows were installed in 2019 ensuring you are ready for all Florida weather. The exterior was painted in 2021 and the home also has fresh interior paint. Newly replaced electrical outlets, a resealed patio roof, and a new chimney cap and a cleaned, inspected fireplace, adds to enjoyment of the cozy fireplace.

5054 San Jose, Sarasota, FL 34235 in Sarasota, FL 34235 is listed for $435,000. The home has 3 bedrooms, 2 bathrooms, and 1,143 square feet, and was built in 1981. Listed 43 days ago. The listing is held by MEDWAY REALTY.

34235 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,085 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $87,000

$

$2,891/moest.

  • Principal & Interest 81%
  • Property Taxes 6%
  • Insurance 13%
Principal & Interest
$2,354
Property Taxesfrom listing
$174
Insurance
$363

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $2,891, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,085 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR806241422. HomeJam is not the listing broker.

List Price

$435,000

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