$4,400,000
Active1571 Harbor Cay Ln, Longboat Key, FL 34228
4 beds Β· 3.5 baths Β· 4,209 sq ft
Listing courtesy of MICHAEL SAUNDERS & COMPANY Β· MLS# A4666688
279 days on market
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Whatβs special
- 23-foot ceilings
- gas/wood-burning fireplace
- induction cooktop
- 28-foot saltwater pool
- solar heating
- translucent onyx walls
- deep-water bayou access
- hurricane-impact windows
AI-selected highlights from the listing description below.
Experience the ultimate in luxury coastal living in this 4,209-square-foot stunning waterfront home, perfectly situated in the highly sought-after, gated Bay Isles Harbor Sectionβan exclusive boating community with only 67 custom residences on south Longboat Key. Designed for elegance and comfort, this timeless 4-bedroom, 3.5-bath estate welcomes you with a dramatic open main living area featuring soaring 23-foot ceilings filled with natural light, rich oak flooring, custom lighting and a gas/wood-burning fireplace. Expansive walls provide the perfect showcase for fine artwork, while the spacious living and dining areas flow seamlessly into a warm family room and a chefβs dream kitchen. The gourmet kitchen is equipped with custom mahogany cabinetry, premium stainless-steel appliances including an induction cooktop, a large island topped with quartzite countertops, and a bright breakfast area overlooking the pool and waterway. Sliding glass doors lead to your private outdoor oasisβa massive 28-foot saltwater pool with solar heating and a partially covered patio with heat-resistant coral stone tile. The luxurious master suite offers two walk-in closets, a sitting area or office, and a spa-inspired bathroom with translucent onyx walls and flooring, a soaking tub, and an oversized shower. Additional features include a large laundry and craft room, an oversized two-car garage with workbench, hurricane-impact windows and doors, reinforced garage doors, and a brand-new concrete tile roof. A beautifully landscaped circular drive welcomes guests, while the deep-water bayou behind the home provides direct access to Sarasota Bayβideal for boating enthusiasts. Residents of Bay Isles enjoy 24-hour gated security, membership to the Bay Isles Beach Club, and close proximity to the Longboat Key Club, St. Armands Circle, world-class dining, shopping, and the brand-new five -star St. Regis Longboat Key Resort. This exceptional property offers the best of luxury, privacy, and the coveted waterfront lifestyle on Floridaβs Gulf Coast. Sellers will repaint exterior of house whatever color Buyer selects before closing, upon firm executed Contract.
Facts
- Property type
- Single Family Residence
- Year built
- 1987
- Bathrooms
- 3 full, 1 half
- Living area
- 4,209 sqft
- Lot size
- 0.59 acres
- Waterfront
- Yes Β· 62 ft
- Water access
- Bay/Harbor, Canal - Saltwater, Gulf/Ocean, Intracoastal Waterway
- Water view
- Yes
- Private pool
- Yes
- Exposure
- North
- Flood zone
- AE*
- CDD
- No
- 55+ community
- No
- Annual taxes
- $16,980/yr
- Listed
- Jun 27, 2025
- MLS #
- A4666688
Price & status history
- Listed for $5,000,000
- Price reduced to $4,400,000from $4,550,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 1571 HARBOR CAY LN. 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.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied β your down payment is 20% or more.
Estimated total monthly payment
$27,330
$22,249 of that is principal & interest. 19% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $22,249
- Property taxes
- $1,415
- Homeowners insurance
- $3,667
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $27,330
Over the life of the loan
- Loan amount
- $3,520,000
- Down payment
- $880,000
- Total interest
- $4,489,566
- Principal + interest paid
- $8,009,566
- 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.
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1571 Harbor Cay Ln, Longboat Key, FL 34228
Listing courtesy of MICHAEL SAUNDERS & COMPANY Β· MLS# A4666688 Β· Active
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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