$450,000
Active1020 Sun N Sea Dr #102, Sarasota, FL 34242
1 bed · 1 bath · 524 sq ft
Listing courtesy of KW COASTAL LIVING III · MLS# A4702764
71 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Private beach access
- In-unit laundry
- Walk-in glass shower
- Fully furnished
- Elevated on stem walls
AI-selected highlights from the listing description below.
Lender paid 1-0 Buydown Interest Rate by using our preferred lender! Welcome to your own slice of paradise at the Beach Club at Siesta Key! This beautifully furnished 1-bedroom, 1-bathroom condo offers a chic, modern resort-style retreat just steps from the world-famous white-sand beaches of Siesta Key. Located in Building B, this turnkey residence features a full kitchen with stainless steel appliances and stylish stainless-accented cabinetry, a spacious living area, in-unit laundry, and a beautifully updated bathroom with a walk-in glass shower. Freshly painted in 2025 and offered fully furnished, this condo is ready to enjoy as a personal beach getaway, investment property, or both. Step outside and enjoy the community’s heated pool, hot tub, shared patio, and grilling area, with convenient gated beach access through a private walkway shared with surrounding properties. Siesta Key Public Beach is approximately 2 miles away and offers tennis courts, a playground, picnic and grilling areas, concessions, and the island’s famous weekly drum circle. When you’re ready for more island fun, Siesta Key Village is nearby with restaurants, boutiques, live entertainment, and tropical cocktails. Built in 2009 on stem walls, the building is elevated and sustained no storm damage. The Beach Club at Siesta Key has fully recovered from the 2024 hurricanes, with total cash, operating funds, and reserves exceeding $300,000. Recent community improvements include new landscaping in 2026 and new pool heaters and pumps in 2025. The roof is inspected annually, the most recent reserve study was completed in 2024, and a new reserve study is currently in progress. Owners are not required to use the onsite rental office and may rent the unit independently; the onsite RVA office is available for guests who book through RVA. The condo fee includes cable, water, sewer, trash, internet, beach access, pool, spa, and grill. Whether you’re looking for a relaxing island escape or a flexible rental opportunity, this is an exceptional way to enjoy the laid-back luxury and year-round lifestyle of Siesta Key.
Facts
- Property type
- Condominium
- Year built
- 2009
- Bathrooms
- 1 full
- Living area
- 524 sqft
- Lot size
- 1.43 acres
- Private pool
- No
- Exposure
- West
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,594/yr
- Monthly fees
- $1,308/mo
- Listed
- Aug 4, 2026
- MLS #
- A4702764
Price & status history
- Listed for $500,000
- Price reduced to $450,000
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1020 SUN N SEA DR #102. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$4,341
$2,275 of that is principal & interest. 48% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,275
- Property taxes
- $383
- Homeowners insurance
- $375
- Flood insurance
- $0
- HOA / condo fees
- $1,308
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,341
Over the life of the loan
- Loan amount
- $360,000
- Down payment
- $90,000
- Total interest
- $459,160
- Principal + interest paid
- $819,160
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
Take a tour
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1020 Sun N Sea Dr #102, Sarasota, FL 34242
Listing courtesy of KW COASTAL LIVING III · MLS# A4702764 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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