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$1,050,000

Active

1281 Gulf of Mexico Dr #111, Longboat Key, FL 34228

2 beds Β· 2.5 baths Β· 1,392 sq ft

Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY Β· MLS# A4688079

212 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

What’s special

  • Gulf-front location
  • Gated community
  • Plaza level
  • 10-foot ceilings
  • Expansive balcony
  • Stack washer and dryer
  • Resort-style pool
  • Har-tru tennis courts

AI-selected highlights from the listing description below.

Welcome to a little piece of paradise on Longboat Key at the stunning gated Gulf-front condominium community of Water Club, which offers a coastal lifestyle complete with direct access to sandy beaches, high-end amenities and exceptional security and concierge services. This designer-inspired, two-bedroom, 2.5-bath condominium is on the newer north building's plaza level and features nearly 1,400 square feet, 10-foot ceilings, double crown molding, plank wood flooring in the living areas, natural colors and floor to ceiling storm impact windows and doors. An open floor plan offers garden views from the spacious living room and the kitchen, which has both a breakfast bar and a seating area. A beautiful kitchen renovation was completed in December 2025 with handsome wood cabinets, stone countertops and GE Profile appliances. The split plan allows privacy for owners and guests in the two separate primary en-suite bedrooms, each with large windows, custom drapes and carpet, wall closets with built-ins and baths with combination tub/showers. ?An expansive balcony with glass railing barriers can be accessed through the living area and one of the primary suites. This lovely condo conveniently has a stack washer and dryer, linen closet, underbuilding storage unit and assigned parking and its own front desk concierge. Behind the 24-hour guarded-gate is true luxury living with a modern clubhouse, state-of-the-art fitness room, locker room and spa, sauna, bar and lounge, library, game room, ballroom and catering kitchen and outside terrace for gatherings and watching sunsets over the Gulf waters. Besides the magnificent beach and Florida-friendly landscaped grounds, the outdoor amenities include a peaceful courtyard, fire pit, resort-style pool and hot tub and new Har-tru tennis courts. Water Club is conveniently near island golf courses and Publix, and a short distance from St. Armands Circle and downtown Sarasota for dining, shopping, entertainment and cultural venues.

Facts

Property type
Condominium
Year built
1999
Bathrooms
2 full, 1 half
Living area
1,392 sqft
Waterfront
Yes Β· 500 ft
Water access
Gulf/Ocean
Private pool
Yes
Exposure
East
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$9,956/yr
Monthly fees
$2,554/mo
Listed
Mar 25, 2026
MLS #
A4688079

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 1281 GULF OF MEXICO DR #111. 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 β€” 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 β€” 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 β€” your down payment is 20% or more.

Estimated total monthly payment

$9,568

$5,309 of that is principal & interest. 45% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$5,309
Property taxes
$830
Homeowners insurance
$875
Flood insurance
$0
HOA / condo fees
$2,554
Mortgage insurance (PMI)
$0
Total per month
$9,568

Over the life of the loan

Loan amount
$840,000
Down payment
$210,000
Total interest
$1,071,374
Principal + interest paid
$1,911,374
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 β€” 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

Pick a day that suits you β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

1281 Gulf of Mexico Dr #111, Longboat Key, FL 34228

Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY Β· MLS# A4688079 Β· Active

How would you like to see it?
Which day?
What time of day?

In person Β· Thu, Oct 29 Β· Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

Where this home is

Opens on aerial β€” on this coast the canal, the lot and the neighbours answer more questions than a street grid does.

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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 10:07 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. Β· [email protected]