89 NAVIGATION CIRCLE, OSPREY, FL, 34229
Active79 days on marketListed May 22, 2026MLS #A4694435
About this home
89 NAVIGATION CIRCLE
One or more photo(s) has been virtually staged. DISCOVER A LIMITED-TIME OPPORTUNITY! ? A SPECIAL OPPORTUNITY IS AVAILABLE FOR BUYERS WITH AN ACCEPTED PURCHASE CONTRACT ON OR BEFORE AUGUST 30, 2026. CONTACT THE LISTING AGENT FOR DETAILS. Experience the perfect blend of comfort, convenience, and Florida lifestyle in this beautifully maintained first-floor residence located in the highly desirable gated community of Bay Street Village in Osprey. Offering 2 bedrooms, 2 bathrooms, a versatile den, and an attached one-car garage, this thoughtfully designed home is ideal as a primary residence, seasonal retreat, or investment opportunity. The open-concept floor plan features a spacious kitchen with granite countertops, stainless steel appliances, abundant cabinetry, and a breakfast bar overlooking the dining and living areas, creating a welcoming space for everyday living and entertaining. Large sliding glass doors open to a screened lanai where you can relax and enjoy peaceful lake views while embracing Florida's year-round outdoor lifestyle. The split-bedroom layout provides privacy for both owners and guests. The spacious primary suite offers tranquil water views, a walk-in closet, dual vanities, and a generous walk-in shower. The versatile den provides the perfect space for a home office, reading room, or additional guest accommodations. Residents of Bay Street Village enjoy resort-style amenities, including a heated pool and spa, clubhouse, fitness center, and beautifully landscaped grounds, all within a secure gated community. Ideally located just minutes from Nokomis Beach, Siesta Key Beach, Casey Key, the Legacy Trail, Oscar Scherer State Park, waterfront dining, shopping, golf courses, and the vibrant downtown districts of Sarasota and Venice, this home offers the very best of Florida's Gulf Coast lifestyle. Whether you're searching for a full-time residence or the perfect seasonal getaway, this exceptional property offers an outstanding combination of location, comfort, and value in one of Osprey's most sought-after communities. SCHEDULE YOUR PRIVATE SHOWING TODAY AND EXPERIENCE THE LIFESTYLE THAT MAKES BAY STREET VILLAGE ONE OF OSPREY'S MOST DESIRABLE COMMUNITIES!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,449
Sqft
1
Garage
2014
Year built
One
Levels
$221
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,513 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,513/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.3%
$/sqft vs BAY STREET VILLAGE
$221 vs $237
Days on market
79 vs 95 typical
Where $221/sqft sits among the 6 homes for sale in BAY STREET VILLAGE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Sarabay Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Osprey. See the full Osprey guide →
Sarabay Acres — neighborhood snapshot
Population
1,075
Median age
65
Median income
$54,735
Median home value
$363,400
Avg household
2
Households w/ children
14%
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Osprey market
$723K → $765K
Osprey median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
3 of 6
BAY STREET VILLAGE have cut their price
Median sold price, Osprey, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the OSPREY 34229 median. See the full Osprey market guide →
Paper trail
This home's history
Reality check
What actually sold near 89 NAVIGATION CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$335,000
172 EXPLORER DRIVE · same community
2 bd · 2 ba · 1,449 sqft · $231/sqft · 3 DOM
Sold · Mar ’26$318,000
116 NAVIGATION CIRCLE UNIT 106 · same community
3 bd · 2 ba · 1,430 sqft · $222/sqft · 220 DOM
Sold · Jan ’26$329,000
85 NAVIGATION CIRCLE · same community
3 bd · 2 ba · 1,430 sqft · $230/sqft · 8 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 89 NAVIGATION CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 89 NAVIGATION CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
89 NAVIGATION CIRCLE FAQs
What would the monthly payment be for 89 NAVIGATION CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,513/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 89 NAVIGATION CIRCLE?+
The most recent tax bill on record (2025) was $3,931. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 89 NAVIGATION CIRCLE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Osprey?+
At $320,000, this home is listed about 52% below the Osprey median of $669,500. The market section on this page shows how the area is trending.
Which schools are assigned to 89 NAVIGATION CIRCLE?+
Laurel Nokomis School (elementary), Venice Senior High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the OSPREY 34229 market on paper
$320,000 is 38% below the OSPREY 34229 median of $517,500, and at $221/sqft it sits under the Osprey average of $393.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Laurel Nokomis School, Venice Senior High School — Laurel Nokomis School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $345,000, now $320,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING II · Jozefina Wells. MLS #A4694435.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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