$509,000
Active220 Pass Key Rd #220, Sarasota, FL 34242
2 beds · 2 baths · 998 sq ft
Can tour today — We can usually have an agent meet you here within a couple of hours. Call (941) 474-5585
Listing courtesy of EXP REALTY LLC · MLS# A4700657
97 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- waterfront location
- private shell beach
- fishing pier
- heated pool
- kayak launch
- Gulf-front sunsets
- mid-century architecture
AI-selected highlights from the listing description below.
Opportunities to own in Sandy Cove are rare—and this residence presents the perfect chance to create your own island retreat in one of Siesta Key's most sought-after waterfront communities. Bring your vision and transform this well-located residence into the coastal getaway you've always imagined. Whether you're looking for a winter escape from the cold, a seasonal home to enjoy for years to come, or an investment in one of Florida's premier beach destinations, the value here lies in the location, lifestyle, and potential. Designed by renowned Sarasota architect Frank Folsom Smith, Sandy Cove is a boutique waterfront community celebrated for its timeless mid-century architecture, lush tropical landscaping, private shell beach, fishing pier, heated pool, kayak launch, and Gulf-front sunsets. Best of all, you're just a short stroll from Siesta Key Village, where local restaurants, boutiques, live music, and island charm await. Unlike buying someone else's renovation, this home offers the rare opportunity to update the interior to reflect your own style while investing in a community where demand remains consistently strong. Enjoy the property today, renovate at your own pace, and own a piece of Siesta Key in a location that continues to attract vacationers, seasonal residents, and investors alike. Interested in an investment property? Monthly rentals allowed! Two pets are welcome (including renters)! When the address is this exceptional, the possibilities are endless. Schedule your private showing today!
Facts
- Property type
- Condominium
- Year built
- 1973
- Bathrooms
- 2 full
- Living area
- 998 sqft
- Lot size
- 0.95 acres
- Waterfront
- Yes · 200 ft
- Water access
- Gulf/Ocean to Bay, Intracoastal Waterway
- Private pool
- No
- Exposure
- West
- Furnished
- Partially
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,968/yr
- Monthly fees
- $1,323/mo
- Listed
- Jul 20, 2026
- MLS #
- A4700657
Virtual tours
- Property Panorama tourpropertypanorama.comView the virtual tour(opens propertypanorama.com in a new tab)
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- Matterport 3-D tourmy.matterport.com
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 220 PASS KEY RD #220. 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
$4,735
$2,574 of that is principal & interest. 46% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,574
- Property taxes
- $414
- Homeowners insurance
- $424
- Flood insurance
- $0
- HOA / condo fees
- $1,323
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,735
Over the life of the loan
- Loan amount
- $407,200
- Down payment
- $101,800
- Total interest
- $519,361
- Principal + interest paid
- $926,561
- 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
Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
220 Pass Key Rd #220, Sarasota, FL 34242
Listing courtesy of EXP REALTY LLC · MLS# A4700657 · 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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