$11,850,000
ActivePrice drops, under contract and the sold price, by email.500 Harbor Cove Cir, Longboat Key, FL 34228
5 beds Β· 5.5 baths Β· 5,120 sq ft
Listing courtesy of COLDWELL BANKER REALTY Β· MLS# A4712610
Listed today
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
A remarkable expression of modern waterfront architecture, 500 Harbor Cove Circle is a newly constructed estate in the final stages of completion within the private Harbor Section of Bay Isles on Longboat Key. Combining sophisticated contemporary design, protected deep-water boating, and exceptional craftsmanship, the residence offers a rare opportunity within one of Longboat Keyβs premier gated waterfront communities. Positioned behind the double gates of Bay Isles and directly across from The St. Regis Longboat Key Resort, the property enjoys convenient proximity to fine dining, luxury hospitality, golf, tennis, and marina amenities. Ownership also includes access to the private Bay Isles Beach Club on the Gulf of Mexico. Encompassing 5,120 square feet of air-conditioned living space and 8,564 square feet under roof, the residence features five bedrooms, five full bathrooms, one half bathroom, a private office, elevator access to all levels, and a four-car garage. Comprehensive smart-home automation integrates lighting, climate, security, audio, motorized window treatments, pool and spa functions, and essential systems throughout. The arrival experience is defined by lush tropical landscaping, mature specimen palms, tranquil reflecting pools, and dramatic floating staircases. A series of stepping stones appears to float across the water on the approach to the front door, creating the sensation of walking over the reflecting pool and making an immediate impression upon arrival. Inside, an extraordinary palette of natural stone, warm wood, expansive glass, architectural lighting, and hand-applied Venetian plaster across the walls and ceilings creates an atmosphere of understated sophistication. Among the homeβs most distinctive features is a more than 20-foot natural travertine wall wrapping an entire corner of the residence, bringing remarkable scale and texture to the interior. The chefβs kitchen features expansive Calacatta stone surfaces, custom cabinetry, integrated appliances, and a substantial waterfall island designed for both everyday living and entertaining. Expansive glass opens the principal living spaces to generous covered terraces, a pool and spa, and multiple outdoor gathering areas overlooking the waterfront. A fully equipped Brown Jordan outdoor kitchen with grill and refrigeration complements the setting, creating an effortless connection between indoor comfort and outdoor entertaining. A dedicated wellness retreat includes a private fitness area, sauna, and cold plunge. For boating enthusiasts, 100 feet of protected deep-water frontage provides convenient access to Sarasota Bay within minutes. The dock is designed to accommodate a substantial yacht, with additional space for potential lifts serving a tender, fishing boat, personal watercraft, or other recreational vessels. With its distinctive architecture, thoughtfully curated natural materials, exceptional boating capabilities, and private Bay Isles setting, 500 Harbor Cove Circle presents a compelling opportunity to experience newly constructed waterfront living on Longboat Key.
Facts
- Property type
- Single Family Residence
- Year built
- 2026
- Bathrooms
- 5 full, 1 half
- Living area
- 5,120 sqft
- Lot size
- 0.35 acres
- Waterfront
- Yes Β· 100 ft
- Water access
- Bay/Harbor, Beach - Access Deeded, Canal - Saltwater, Gulf/Ocean
- Water view
- Yes
- Private pool
- Yes
- Exposure
- North
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $20,619/yr
- Monthly fees
- $643/mo
- Listed
- Nov 14, 2026
- MLS #
- A4712610
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 500 HARBOR COVE CIR. 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; the flood zone and the current policy's premium decide the number.
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
$72,156
$59,920 of that is principal & interest. 17% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $59,920
- Property taxes
- $1,718
- Homeowners insurance
- $9,875
- Flood insurance
- $0
- HOA / condo fees
- $643
- Mortgage insurance (PMI)
- $0
- Total per month
- $72,156
Over the life of the loan
- Loan amount
- $9,480,000
- Down payment
- $2,370,000
- Total interest
- $12,091,218
- Principal + interest paid
- $21,571,218
- 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 the calculator sends none of them anywhere, and no lender is quoting you. Only the separate flood & insurance request sends anything: what you type into it, to a Lasbury Tracy agent. 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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500 Harbor Cove Cir, Longboat Key, FL 34228
Listing courtesy of COLDWELL BANKER REALTY Β· MLS# A4712610 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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