Derek Perez
$1,9503 bd2 ba1,430 sqft$1 /sqft$174 /mo all-in ↓

137 NAVIGATION CIRCLE, OSPREY, FL, 34229

Active6 days on marketListed Jul 14, 2026MLS #A4699974

Priced 100% below the OSPREY 34229 medianFully furnishedCondominiumBAY STREET VILLAGE

About this home

137 NAVIGATION CIRCLE

Don't miss this 3BR, 2BA fully furnished condo in Osprey, offering comfort, style, and stunning lake views! The spacious kitchen is designed for both functionality and entertaining, featuring granite countertops, a breakfast bar, solid wood cabinetry, and stainless steel appliances, including a refrigerator, microwave, dishwasher, and range. The open living and dining area offers lake views and access to a screened balcony. The primary suite is conveniently located off the main living area and features a walk-in closet and a private en suite bathroom. Two additional guest bedrooms and a full guest bathroom are situated on the opposite side of the condo, providing added privacy for family members or visitors. Additional conveniences include a laundry room with a full-size washer and dryer and an attached one-car garage for secure parking and extra storage. Enjoy maintenance-free living in Bay Street Village, featuring a clubhouse, swimming pool, and fitness center! Conveniently located between Venice and Sarasota, the community offers easy access to restaurants, entertainment, beaches, shopping, and more. PMI Southwest Florida has partnered with Obligo to provide a security deposit alternative for qualified renters. ADDITIONAL FEES AND RENTAL INFORMATION: Move-In Funds: Minimum 1st month rent, 1 month security deposit. Application: $100 Application fee Association Application: $150 application fee Pets: (2) pets considered, 35lbs max. $250 Refundable pet fee and $25/mo. pet rent Utilities: Water is $80 single and $100 double occupancy. Electric tenant responsible. Included: Trash, Lawn and Pest Control THIRD PARTY PET SCREENING SERVICE: ALL applicants must complete pet screening. Create a pet and/or animal profile or "no pet" profile. You will receive a separate email to connect with our service provider and to complete your pet application (note: there is cost of $30/$25 for the first pet and $25/$20 for each additional pet.) This pet profile must be completed for your application to be considered completed. Medically necessary animals for the benefit of the occupant(s) are permitted with valid documentation from a medical or mental healthcare provider. Fees and deposits are waived for medically necessary animals. THE ESA APPROVAL MUST BE OBTAINED WITH OUR PET SCREENING SERVICE. PMI SWFL does not review/evaluate ESA documents for approval. Qualifications: We run a complete background check that includes credit, income verification, prior landlord and eviction history. In terms of credit, we look at the entire picture as opposed to just the credit score, but in general, we do require a score over 550. This property is professionally managed by PMI Southwest Florida.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,430

Sqft

30.5 ac

Lot size

1

Garage

2014

Year built

Two

Levels

$1

Per sqft

FurnishedPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

ParkingDriveway
ExteriorBalcony

Community & fees

PetsNumber Limit, Size Limit, Yes
CommunityLake · Clubhouse · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Sewer Connected · Water Available
WaterPublic

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$174 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$11
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $68Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $68
Interest rate6.00%
Loan term

Estimated payment

$174/mo

Principal & interest$11
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

$/sqft vs BAY STREET VILLAGE

$1 vs $233

Days on market

6 vs 57 typical

Where $1/sqft sits among the 7 homes for sale in BAY STREET VILLAGE

0 · this home
0
0
0
1
6
$1–45$45–89$89–133$133–177$177–220$220+

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

Map of 137 NAVIGATION CIRCLE inside its neighborhood boundary

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

ElementaryLaurel Nokomis School★★★★
HighVenice Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Osprey market

Seller’s marketBalanced6.6 months of inventoryBuyer’s market

$710K$530K

Osprey median sold, yr/yr

93.5%

Sale-to-list ratio (12 mo)

4 of 7

BAY STREET VILLAGE have cut their price

Median sold price, Osprey, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 100% below the OSPREY 34229 median. See the full Osprey market guide →

Paper trail

This home's history

Jul 14, 2026Listed at $1,950 · 6 days on market since
2014Built · BAY STREET VILLAGE

Reality check

What actually sold near 137 NAVIGATION CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

116 NAVIGATION CIRCLE UNIT 106Sold · Mar ’26

$318,000

116 NAVIGATION CIRCLE UNIT 106 · same community

3 bd · 2 ba · 1,430 sqft · $222/sqft · 220 DOM

85 NAVIGATION CIRCLESold · Jan ’26

$329,000

85 NAVIGATION CIRCLE · same community

3 bd · 2 ba · 1,430 sqft · $230/sqft · 8 DOM

172 EXPLORER DRIVESold · Mar ’26

$335,000

172 EXPLORER DRIVE · same community

2 bd · 2 ba · 1,449 sqft · $231/sqft · 3 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.

Derek Perez

Your agent

Derek Perez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 137 NAVIGATION CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 137 NAVIGATION CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Derek's phone and CRM.

Goes straight to Derek’s phone and CRM.

Straight answers

137 NAVIGATION CIRCLE FAQs

What would the monthly payment be for 137 NAVIGATION CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 137 NAVIGATION CIRCLE?+

The listing reports pets: Number Limit, Size 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 $1,950, this home is listed about 100% below the Osprey median of $692,000. The market section on this page shows how the area is trending.

Which schools are assigned to 137 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

$1,950 is 100% below the OSPREY 34229 median of $515,000, and at $1/sqft it sits under the Osprey average of $401.

02Move-in furnished

The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.

03Fresh on the market

Only 6 days on market in a Osprey market that averages 57 — if it fits, move quickly.

04Strong assigned schools

Laurel Nokomis School, Venice Senior High School — Laurel Nokomis School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of PMI SOUTHWEST FLORIDA · Alexandra Stella. MLS #A4699974.

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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