$325,000
Active2850 Gulf of Mexico Dr #4, Longboat Key, FL 34228
1 bed · 1 bath · 532 sq ft
Listing courtesy of MANGROVE REALTY ASSOCIATES · MLS# A4698791
118 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- screened lanai
- coastal-inspired décor
- crown molding
- Gulf of Mexico proximity
- beach access
- low-density community
- turnkey-furnished
AI-selected highlights from the listing description below.
Coastal Living on Longboat Key – Neptune Condominium Welcome to your island retreat at Neptune on Longboat Key, a charming boutique community just moments from the Gulf of Mexico. This beautifully updated 1-bedroom, 1-bath condominium offers the perfect blend of comfort, style, and an unbeatable Longboat Key lifestyle. Step inside to discover a bright, open floor plan featuring luxury vinyl flooring, coastal-inspired décor, crown molding, and a tastefully renovated kitchen with cabinetry, updated appliances, quartz-look countertops, and a deep stainless sink. The spacious living and dining area flows effortlessly onto a screened lanai where you can relax with a morning coffee. The generous bedroom provides a peaceful retreat with abundant natural light, while the updated bath and thoughtful finishes create a move-in-ready coastal escape. Located on the desirable south end of Longboat Key, Neptune is a small boutique community known for its quiet atmosphere and convenient location. You're just a short stroll to the beach and only minutes from St. Armands Circle, where you'll enjoy world-class dining, shopping, and entertainment. Downtown Sarasota, cultural attractions, golf, boating, and marinas are also just a short drive away. Neptune is a small, low-density community with minimal common amenities, helping keep ownership simple while offering a peaceful island setting. Whether you're looking for a full-time residence, seasonal getaway, or investment opportunity, this turnkey-furnished condo offers an exceptional opportunity to own a piece of paradise on Longboat Key.
Facts
- Property type
- Condominium
- Year built
- 1967
- Bathrooms
- 1 full
- Living area
- 532 sqft
- Water access
- Gulf/Ocean
- Water view
- Yes
- Private pool
- No
- Exposure
- South
- Furnished
- Furnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,248/yr
- Monthly fees
- $500/mo
- Listed
- Jul 2, 2026
- MLS #
- A4698791
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 2850 GULF OF MEXICO DR #4. 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
$2,685
$1,643 of that is principal & interest. 39% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,643
- Property taxes
- $271
- Homeowners insurance
- $271
- Flood insurance
- $0
- HOA / condo fees
- $500
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,685
Over the life of the loan
- Loan amount
- $260,000
- Down payment
- $65,000
- Total interest
- $331,616
- Principal + interest paid
- $591,616
- 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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2850 Gulf of Mexico Dr #4, Longboat Key, FL 34228
Listing courtesy of MANGROVE REALTY ASSOCIATES · MLS# A4698791 · 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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