$11,450,000
Active1340 Harbor Dr, Sarasota, FL 34239
4 beds · 6 baths · 5,157 sq ft
Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4680096
273 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- waterfront property
- deep-water harbor
- sailboat water basin
- boat dock and lifts
- Sarasota Bay views
- protected Gulf access
AI-selected highlights from the listing description below.
Under Construction. Best price under construction opportunity in Harbor Acres, a one-third-acre waterfront property on the widest part of the neighborhood's deep-water harbor on Sarasota Bay. The views are great and the home is located on a protected, sailboat water basin with no bridges to the Gulf of Mexico. Newer boat dock and boat lifts accommodate up to 15,000-pound boat plus two recreational water craft, making easy access to Sarasota's waterways and the gulf, AND the home was designed by one of the BEST architectural firms, MHK, and under construction by one of the BEST waterfront builders, Voigt Brothers. The floor plan is amazing and the home is available for purchase during the construction phase. 4 bedrooms all ensuite, 5 bathrooms, 2 half bathrooms, elevator, 3 car garage, elevated pool with large entertaining deck plus covered pool terrace area with outdoor kitchen. Harbor Acres is considered one of the best neighborhoods in Sarasota— and speaking of BEST, it has it all… location, waterfront, appreciation, neighbors. A true neighborhood community that is close to Downtown Sarasota and in-town amenities yet a half mile to Sarasota Memorial Hospital and Southside Village shops and restaurants. Call for floor plans or to walk the property.
Facts
- Property type
- Single Family Residence
- Year built
- 2027
- Bathrooms
- 5 full, 2 half
- Living area
- 5,157 sqft
- Lot size
- 0.35 acres
- Waterfront
- Yes · 98 ft
- Water view
- Yes
- Private pool
- Yes
- Exposure
- Southwest
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $23,499/yr
- Listed
- Jan 27, 2026
- MLS #
- A4680096
Price & status history
- Listed for $10,995,000
- Price increased to $11,450,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1340 HARBOR DR. 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.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$69,397
$57,897 of that is principal & interest. 17% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $57,897
- Property taxes
- $1,958
- Homeowners insurance
- $9,542
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $69,397
Over the life of the loan
- Loan amount
- $9,160,000
- Down payment
- $2,290,000
- Total interest
- $11,683,075
- Principal + interest paid
- $20,843,075
- 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.
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1340 Harbor Dr, Sarasota, FL 34239
Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4680096 · 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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