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445 Cobia Ave, Venice, FL, 34285

3beds
2baths
0sqft
$94,900
--price/sqft
$856/moest. monthly cost
$34,240/yrincome needed

About This Home

GRAB THIS ONE - IT'S A DREAM SETTING AND TRUE RETREAT! Welcome to one of the most coveted lots in the Bay Indies Community! 445 Cobia is more than a home-it's a lifestyle. Nestled on a corner lot at the end of the street, along a lush nature preserve by Curry Creek, this 3‑bedroom, 2‑bath, 24x60 ft. residence offers a rare blend of privacy, beauty, and adventure. Imagine waking up to the sight of manatees gliding through the water, fish jumping at the surface, and birds soaring overhead-all just outside your window. This true oasis has views of towering oak trees that shade the spacious lawn, creating a serene park-like setting. No neighbors behind or beside you, just a three-mile walking path that encircles the park. Relax on a bench by the water, store and launch a kayak, practice your golf swing, or enjoy the gazebo sitting just down the street. Approaching there is a shell garden in front with a pineapple palm leading to a covered carport with removable handicap ramp, privacy shutters, and a 12x22 screened room that shows the ocean blue tones of the home and furnished with white wicker, invites you to entertain, BBQ, or simply soak in the Florida breeze. The enclosed Florida room, also 12x22, faces the preserve with acrylic sliding windows, screens, and furnishings-perfect for morning coffee or evening card games. More highlights of the home: it has solid bones, new TPO roof, A/C and hot water heater (2 yrs. old) and inside W/D (3 yrs. old). The entry hall with laundry has cabinets and a stand-up freezer. There are 7 ceiling fans with some updated ceilings to keep the home cool and fresh. A spacious shed with shelves and workbench is ideal for golf clubs, beach gear or tools. The cook's kitchen was redesigned with butcher block countertops, stainless steel appliances, tiled backsplash, and a glass built-in-hutch for storage. This area was opened up to accommodate an eat-in table and chairs, and an island plus a second dining area that can flex into a den, office or TV room. The expansive living room has space for recliners, sofa and ample space to set up a home office. The two guest bedrooms have beds, double closets and extra hall storage. The guest bath has a large vanity and step in shower. The primary suite has a barn door entry, accommodating a king-sized layout, dual double closets and fits a number of dressers. The private ensuite has an updated vanity, step in shower and linen closet. Why 445 Cobia? This is outdoor living at its finest, where every day feels like a vacation. from strolling shaded paths, entertaining in your screened room to unwinding in your lanai with preserve views-this home is a rare gem. Partially furnished please see inventory sheet. Call Dan today to schedule a tour. Without hesitation as this is Florida at its finest! The Bay Indies amenities are no comparison with tennis, pickleball, bocce, shuffleboard and even corn hole. The are 3 heated pools, and spas beckon with exercise swims and relaxation, catch and release fishing, ponds with an abundance of waterfowl and a resident swan, 2 clubhouses, 3 mile walking/biking path, kayak launch and storage, and indoors there are numerous state clubs, crafts, gym, cards, trivia and horse racing bingo nights, scheduled dinner functions and concerts and a full time recreational coordinator. Just two miles from restaurants, shopping and white sandy beaches in downtown Venice and three close by airports. This is a hot property at an unbelievably great price, plus a Tiger wood pop stroke, two course putting green and a great casino just a short distance away. All listing information given to us is considered appropriate and reliable but should be independently verified through personal inspection by appropriate professionals. Home must be maintained to the Community prospectus. The lot rent is determined by the Community office and covers all amenities offered, lawn maintenance and property tax.

Getting Around

2
WalkingCar-Dependent
17
TransitMinimal Transit
29
BikeSomewhat Bikeable

Schools

5/10
Garden Elementary SchoolGrades PK-53.3 mi
6/10
Venice Middle SchoolGrades 6-85.6 mi
6/10
Venice Senior High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1980

Materials

  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Microwave,Oven,Washer,Water Heater,Stainless Steel Appliances

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Door features: Doorman
  • Flooring: Carpet,Laminate,Linoleum
  • Finished area above ground: 1,700

Heating & Cooling

  • Heating features: Electric,Heat Pump
  • Cooling features: Central,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,700

Kitchen

  • Features: Separate

Property

Accessibility

  • Accessibility features: Handicap

Details

  • On leased land: Yes
  • Lease amount: 1607

Features

  • Stories: 1
  • Patio & porch: Screened Porch
  • Has view: Yes
  • View description: Creek
  • Has water view: Yes
  • Water view: Creek
  • On waterfront: Yes
  • Waterfront features: Creek
  • Waterbody name: Curry Creek

Lot

  • Features: Corner,Trees

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
Strong Wind
Tornado
Tsunami

FEMA Declared Disasters in Sarasota County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $479$5,748
Home Insurance *$124$1,488
Property Taxes $56$672
Electricity $197$2,366
Total$856$10,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,348/yr
40% on housing$25,680/yr
45% on housing$22,826/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.0%
15.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.6%
6.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 34285$176
Sarasota County$346

vs Homes Sold Last Month

Median $/sqft

ZIP 34285$285
Sarasota County$245

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-12-19Price change$99,900
2025-12-05Listed for sale$112,500

For Sale by Agent

AgentDan Clark
BrokerageMy Florida Dreams

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