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$725,000

Active

448 Gulf of Mexico Dr #A104, Longboat Key, FL 34228

2 beds · 2 baths · 1,194 sq ft

Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4702393

82 days on market

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

About this home

What’s special

  • Bay views
  • Private marina
  • High elevation
  • Community pool
  • Fitness center
  • Carport parking

AI-selected highlights from the listing description below.

Location! Location! Location! Awesome, Spectacular Bay views from the kitchen, dining room, living room and primary bedroom! One Bridge to the Gulf! No wait list boat slip! Longboat Key is the place you want to be for the quiet solitude of a gulf front key condo with easy access to the culture and services of Sarasota! This two bedroom, two bathroom Condo in the bay side community of Bay Harbour, has its own private marina with no wait list, and is just one bridge to the Gulf! Beach access is within minutes from several locations on Longboat, Lido and Anna Maria Island. With a Base Flood Elevation of 10 Ft, this unit was High and Dry during the storms of 2024. It has been exquisitely redesigned with upscale quartz and Cambria counter tops, ceramic and porcelain tile flooring and Bosch Appliances. There is plenty of storage available with the pantry and built in closets. The separate pantry has a washer and dryer. Bay Harbour is a South Longboat Key community of 39 units in two buildings with a private pool, easily accessible pool baths, community room and fitness center. Each unit has assigned carport parking and separate locked storage. A well-managed and well-maintained community with reserves; the condo fees are among the lowest on the gulf at just $1,040 per month!

Facts

Property type
Condominium
Year built
1970
Bathrooms
2 full
Living area
1,194 sqft
Waterfront
Yes · 273 ft
Water access
Bay/Harbor, Canal - Brackish, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, Marina
Water view
Yes
Private pool
No
Exposure
Northwest
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$5,248/yr
Monthly fees
$1,040/mo
Listed
Aug 7, 2026
MLS #
A4702393

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 448 GULF OF MEXICO DR #A104. 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

$5,747

$3,666 of that is principal & interest. 36% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$3,666
Property taxes
$437
Homeowners insurance
$604
Flood insurance
$0
HOA / condo fees
$1,040
Mortgage insurance (PMI)
$0
Total per month
$5,747

Over the life of the loan

Loan amount
$580,000
Down payment
$145,000
Total interest
$739,758
Principal + interest paid
$1,319,758
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.

448 Gulf of Mexico Dr #A104, Longboat Key, FL 34228

Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4702393 · Active

How would you like to see it?
Which day?
What time of day?

In person · Thu, Oct 29 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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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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. · [email protected]