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$1,175,000

Active

3808 Gulf of Mexico Dr #E412, Longboat Key, FL 34228

3 beds Β· 3 baths Β· 2,544 sq ft

Listing courtesy of COLDWELL BANKER REALTY Β· MLS# A4707833

29 days on market

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

About this home

Rarely available penthouse living at Beach Harbor Club pairs sweeping Sarasota Bay views with deeded access to the white sands of the Gulf of Mexico. Set on the top floor of Building E, Residence #E412 is an exceptionally spacious three-bedroom, three-bath retreat offering more than 2,500 square feet, captivating water views from nearly every room and the relaxed indoor-outdoor lifestyle that makes Longboat Key so desirable. This residence also includes two premium covered parking spaces. From the moment you arrive, the water takes center stage. A private screened front patio creates an inviting outdoor perch overlooking the bay, while inside, an expansive, light-filled floor plan unfolds through generous living, dining and family spaces. Walls of glass frame the sparkling bay, surrounding tropical landscape and boating activity below, creating a constant connection to the waterfront setting. The oversized living room flows naturally into the enclosed bayfront terrace, now incorporated as a comfortable family room for additional year-round living space. Impact-rated sliding glass doors open to a Juliet balcony, inviting refreshing bay breezes inside while preserving the protection and comfort of an enclosed space. It is an ideal setting for morning coffee, reading, entertaining or simply watching the ever-changing colors of the water. Designed for both everyday living and entertaining, the formal dining room is surrounded by windows and enjoys beautiful bay views. The adjacent eat-in kitchen, renovated in 2018, features abundant cabinetry and workspace, a breakfast nook and its own picturesque outlook across the water. Three generously sized bedrooms are arranged in a desirable split plan, providing privacy for owners and overnight guests. The spacious primary suite is positioned to take advantage of the waterfront setting and includes a sitting area and an updated en-suite bath renovated in 2023. The additional bedroom suites offer exceptional flexibility for visiting family, guests or a home office. Beyond the residence, Beach Harbor Club delivers the quintessential Longboat Key lifestyle from bay to beach. Residents enjoy a bayfront clubhouse with social room, bar and catering kitchen, library, fitness center, heated swimming pool, Tiki hut and barbecue area, shuffleboard, car wash station, fish-cleaning station and outdoor shower. Boaters and paddlers will especially appreciate Beach Harbor Club's on-site marina, where assigned boat slips and kayak storage racks are available on a first-come basis. Just across Gulf of Mexico Drive, the community's deeded Gulf beach access puts the turquoise waters and soft sands of Longboat Key only moments from homeβ€”offering the rare opportunity to spend the morning boating on Sarasota Bay and the afternoon along the Gulf. Ideally positioned on the southern end of Longboat Key, #E412 is convenient to the boutiques, restaurants and cafΓ©s of St. Armands Circle, while Downtown Sarasota is just beyond the Ringling Bridge for acclaimed dining, galleries, theaters, the Sarasota Opera, Marina Jack and the city's celebrated arts and cultural scene. Longboat Key's waterfront restaurants, golf, tennis, parks and miles of shoreline are also close at hand.

Facts

Property type
Condominium
Year built
1970
Bathrooms
3 full
Living area
2,544 sqft
Lot size
6.06 acres
Waterfront
Yes Β· 1 ft
Water access
Bay/Harbor, Beach - Access Deeded, Gulf/Ocean to Bay
Water view
Yes
Private pool
No
Exposure
West
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$8,014/yr
Monthly fees
$2,778/mo
Listed
Sep 29, 2026
MLS #
A4707833

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Estimate the monthly payment

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

Starting figures for 3808 GULF OF MEXICO DR #E412. 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

$10,366

$5,941 of that is principal & interest. 43% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$5,941
Property taxes
$668
Homeowners insurance
$979
Flood insurance
$0
HOA / condo fees
$2,778
Mortgage insurance (PMI)
$0
Total per month
$10,366

Over the life of the loan

Loan amount
$940,000
Down payment
$235,000
Total interest
$1,198,918
Principal + interest paid
$2,138,918
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.

3808 Gulf of Mexico Dr #E412, Longboat Key, FL 34228

Listing courtesy of COLDWELL BANKER REALTY Β· MLS# A4707833 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]