Keller Williams On The Water — Carmen Garcia Urgelles, Realtor®, FL Lic. #SL3463343 (941) 933-0453
Sarasota & Manatee County · Waterfront & Coastal

Wake Up on the Water Every Day.

Bayfront, canal-front, and beach-close homes along Florida's Gulf Coast — guided by a bilingual Realtor who calls it home.

Carmen Garcia Urgelles, Realtor® Keller Williams On The Water English & Español
Hundreds
of successful closings
25+
years in marketing, sales & client care
2
languages — English & Spanish
#1
Top Individual Agent, Closed Units — KW On The Water, 2024 & 2025
Carmen Garcia Urgelles, Realtor
Top Individual Agent · Closed UnitsKW On The Water · 2024 & 2025
Meet Carmen

A Realtor who listens first — and closes.

I spent 25 years in advertising, marketing, and sales learning how to understand what people really need. Now I use that same skill to connect buyers and sellers with the right home on Florida's Gulf Coast — with hundreds of closings across Bradenton, Palmetto, Lakewood Ranch, Anna Maria Island, Sarasota, and beyond.

Originally from San Juan, Puerto Rico, I'm fully bilingual and proud to serve this community in whichever language feels like home to you.

“You deserve a great experience, less stress, and the best possible outcome.”

More About Carmen
Why clients choose Carmen

Local, bilingual, and built for the water.

Waterfront deck and dock on a Tropic Isles canal, Palmetto

Waterfront & Coastal Specialist

Bay, canal, and beach-close homes — boat lifts, seawalls, flood zones, and co-op communities. Carmen knows the details that make or break a waterfront deal.

Bright open living room in a Palmetto waterfront home

Bilingual, Bicultural Service

Fluent in English and Spanish, Carmen works with buyers and sellers the way they're most comfortable communicating — contracts, negotiations, and all.

Covered lanai with fire pit overlooking the canal, Palmetto

Relationship First, Not Transaction First

Carmen replies personally — not through a call center — and stays with you from the first showing to the closing table and after.

Recent results

Recently sold by Carmen

See all recent sales →
Sold waterfront home with boat lift on Terra Ceia Drive, Palmetto, FL
Sold

$400,000

Terra Ceia Drive · Palmetto, FL

2 bed / 2 bath · Bayfront · 12,000-lb boat lift

Sold pool home on Tarpon Drive SE, Lewis Island, St. Petersburg, FL
Sold

$410,000

Tarpon Drive SE · St. Petersburg, FL

3 bed / 2 bath · 1,576 sq ft · Lewis Island

Sold canal-front home on Bimini Drive, Palmetto, FL
Sold

$297,000

Bimini Drive · Palmetto, FL

3 bed / 2 bath · Canal-front · Boat lift

Life on the Gulf Coast

This is what you're really buying.

Morning coffee on the lanai. A boat in the lift out back. Sunsets from your own deck. These are Carmen's listings — not stock photos.

Aerial view of the Tropic Isles boat basin and canals in Palmetto
Tropic Isles boat basin · Palmetto
Boats docked along a Palmetto canal
Your boat, steps from the back door
Private boat lift on a Tropic Isles canal
Private boat lift · Bimini Drive
Backyard pool at a Lewis Island home in St. Petersburg
Pool home · Lewis Island, St. Pete
Updated coastal kitchen in a Palmetto waterfront home
Updated coastal kitchens
Screened lanai looking out to the canal
Lanai living, year-round
Modern kitchen with island in a St. Petersburg home
Move-in ready interiors
Private dock on a Palmetto canal at golden hour
No bridges to the Gulf
What clients say

In their words.

Carmen always went above and beyond and is extremely knowledgeable and professional.

Verified client review · RateMyAgent

Carmen is a true professional! At once pleasant, prompt, and very knowledgeable.

Verified client review · RateMyAgent

Always available, knowledgeable about marketing and regulations, honest, friendly.

Verified client review · RateMyAgent

Read more & leave a Google review →

Ready to see what's out there?

Buying your first waterfront home, or getting ready to downsize? Carmen will walk you through it — no pressure, just answers.