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7689 Cove Ter, Sarasota, FL, 34231

4beds
4baths
4,564sqft
$3,499,000
$767price/sqft
$26,850/moest. monthly cost
$1,074,000/yrincome needed

About This Home

Just three homes in from the open waters of Little Sarasota Bay, this beautifully updated waterfront residence in Southpointe Shores offers a rare combination of location, scale, and immediate livability. Positioned on a quiet cul-de-sac with nearly 100 feet of Intracoastal frontage, the property captures wide water views and direct boating access in one of Sarasota’s most desirable neighborhoods. Spanning more than 4,500 square feet across two levels, the home is designed for both everyday comfort and entertaining. An open layout defines the main level, where wood-grain tile flooring connects the primary living spaces and walls of pocketing sliding glass doors open fully to the outdoor living areas—creating a seamless indoor-outdoor experience. The recently reimagined pool deck serves as the centerpiece of the home’s outdoor setting, featuring a covered lounge area, summer kitchen with built-in grill, and a resort-style heated pool and spa with sun shelf and waterfall features. The expansive patio overlooks peaceful waters, offering a dynamic waterfront backdrop from morning through sunset. Inside, the new chef’s kitchen has been thoughtfully updated (in 2024) with custom contemporary cabinetry, quartz countertops, high-end appliances—including a built-in Miele coffee station—center island with breakfast bar, and a full-sized wine cooler. The adjacent family room offers vaulted ceilings, water views, and a well-appointed wet bar with built-in shelving, creating a natural gathering space. Two guest suites with updated en-suite baths are located on the main level, along with a dedicated laundry room. The second floor is reserved for privacy, featuring an expansive primary suite with sweeping water views, fireplace, custom walk-in closet, and a marble en-suite bath. A study and additional bedroom on this level provide flexibility for a home office, fitness space, or nursery. Recent upgrades enhance both comfort and peace of mind, including impact windows and sliding glass doors (2020), a new seawall (2019), tile roof (2016), updated electrical wiring, modernized baths, and newer HVAC and water heater systems. Set on an oversized waterfront homesite with direct access to the Intracoastal Waterway, this boater’s sanctuary includes a newer private dock with 27,000-pound lift, accommodating a variety of boating needs. Southpointe Shores is a quiet, tucked-away waterfront community known for its proximity to Sarasota’s best coastal destinations. Siesta Key Beach and Crescent Beach are just minutes away, along with marinas, parks, and everyday conveniences. Downtown Sarasota’s cultural attractions—including The Bay Park, Selby Gardens, the Van Wezel Performing Arts Hall, galleries, and dining—are easily accessible, offering a lifestyle that balances privacy with connectivity.

Getting Around

31
WalkingCar-Dependent
26
TransitSome Transit
35
BikeSomewhat Bikeable

Schools

5/10
6/10
Brookside Middle SchoolGrades 6-84.2 mi
7/10
Riverview High SchoolGrades PK,9-122.9 mi

Construction

Condition

  • Year built: 1964

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom,Elevated
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Bar Fridge,Oven,Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer,Wine Refrigerator
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: En Suite Bathroom,Shower No Tub,Single Vanity,Stone Counters,Window/Skylight in Bath,Built-in Closet
  • Level: First
  • Area: 143
  • Dimensions: 11x13

Bedroom3

  • Features: Ceiling Fan(s),En Suite Bathroom,Single Vanity,Stone Counters,Tub With Shower,Walk-In Closet(s)
  • Level: First
  • Area: 180
  • Dimensions: 12x15

Bedroom4

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: Second
  • Area: 195
  • Dimensions: 13x15

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Den

  • Features: Ceiling Fan(s)
  • Level: Second
  • Area: 195
  • Dimensions: 13x15

Dining Room

  • Level: First
  • Area: 238
  • Dimensions: 14x17

Family Room

  • Features: Built-In Shelving,Ceiling Fan(s),Wet Bar
  • Level: First
  • Area: 529
  • Dimensions: 23x23

Features

  • Built-in Features,Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Open Floorplan,PrimaryBedroom Upstairs,Solid Wood Cabinets,Split Bedroom,Stone Counters,Tray Ceiling(s),Walk-In Closet(s),Wet Bar
  • Door features: Outdoor Grill,Outdoor Kitchen,Sliding Doors
  • Window features: Blinds,Window Treatments,Hurricane Shutters/Windows
  • Flooring: Carpet,Tile
  • Fireplace features: Master Bedroom
  • Fireplace: Yes

Foyer

  • Level: First

Heating & Cooling

  • Heating features: Central,Electric,Zoned
  • Cooling features: Central Air,Zoned

Interior Area

  • Total structure area: 5,573
  • Total interior livable area: 4,564 sqft

Kitchen

  • Features: Breakfast Bar,Built-In Shelving,Pantry,Kitchen Island,Stone Counters
  • Level: First
  • Area: 221
  • Dimensions: 13x17

Living Room

  • Level: First
  • Area: 418
  • Dimensions: 19x22

Primary Bathroom

  • Features: Built-In Shelving,Dual Sinks,En Suite Bathroom,Stone Counters,Tub with Separate Shower Stall,Water Closet/Priv Toilet,Window/Skylight in Bath
  • Level: Second

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: Second
  • Area: 506
  • Dimensions: 22x23

Property

Details

  • Parcel number: 0112130039
  • Zoning: RSF1
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Deck,Gunite,Heated,In Ground,Lighting,Other,Outside Bath Access
  • Patio & porch: Deck,Front Porch,Patio,Rear Porch
  • Exterior features: Lighting,Outdoor Grill,Outdoor Kitchen,Private Entrance,Private Mailbox,Private Yard,Rain Gutters,Sidewalk
  • Has spa: Yes
  • Spa features: Heated,In Ground
  • Fencing: Fenced,Other
  • Has view: Yes
  • View description: Pool,Water,Bay/Harbor - Full,Intracoastal Waterway
  • Has water view: Yes
  • Water view: Water,Bay/Harbor - Full,Intracoastal Waterway
  • On waterfront: Yes
  • Waterfront features: Bay/Harbor Front,Waterfront,Intracoastal Waterway,Bay/Harbor Access,Intracoastal Waterway Access,Lift,Sailboat Water,Seawall
  • Waterbody name: LITTLE SARASOTA BAY
  • Residential vegetation: Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 0.36 Acres
  • Features: Cul-De-Sac,FloodZone,In County,Landscaped,Private
  • Lot size dimensions: 98 x 159 x 98 x 173

Parking

  • Total spaces: 2
  • Parking features: Circular Driveway,Driveway,Garage Door Opener,Oversized
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: 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
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
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 $17,692$212,304
Home Insurance *$5,246$62,952
Property Taxes $3,453$41,436
Electricity $459$5,511
Total$26,850$322,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$920,571/yr
40% on housing$805,500/yr
45% on housing$716,000/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

$767This listing

vs Other Active Listings

Avg $/sqft

ZIP 34231$388
Sarasota County$346

vs Homes Sold Last Month

Median $/sqft

ZIP 34231$260
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)

Price History

DateEventPrice
2026-04-28Listed for sale$3,695,000
2019-12-09Sold$1,746,500
2019-09-16Pending sale$1,870,000
2019-08-26Price change$1,870,000
2019-03-19Price change$1,895,000
2018-12-10Listed for sale$1,995,000
2018-12-03Pending sale$1,995,000
2018-11-09Listed for sale$1,995,000
1996-01-09Sold$770,000

For Sale by Agent

AgentRoger Pettingell
BrokerageCOLDWELL BANKER REALTY

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