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Lasbury Tracy Realty Inc
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$650,000

Active

5970 Midnight Pass Rd #177, Sarasota, FL 34242

1 bed · 1.5 baths · 956 sq ft

Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4702809

Listed today

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

About this home

Beach to bay, turnkey and ready to enjoy—this one-bedroom residence at the Palm Bay Club offers an approachable way to own a piece of the Siesta Key lifestyle without sacrificing the amenities that make this community so desirable. Positioned on the Gulf side of Midnight Pass Road, the powder-white sands and turquoise waters of Crescent Beach are just steps from your door. Inside, the thoughtfully designed floor plan makes excellent use of every space. Handsome vinyl plank flooring provides a durable, low-maintenance foundation for relaxed coastal décor, while the kitchen pairs crisp white cabinetry with bold black granite countertops and stainless-steel appliances. The open living and dining area is comfortably furnished and ready for everything from quiet mornings to recharging between Siesta Key adventures. An enclosed lanai has been incorporated into the living space, where three large glass sliders welcome abundant natural light and open to capture the island breeze. The peaceful bedroom features two beds to maximize guest accommodations, while the updated bath continues the condo’s fresh, easygoing aesthetic. Offered turnkey furnished, this residence makes the transition from closing day to beach day refreshingly simple. And at Palm Bay Club, ownership extends well beyond your front door. Enjoy private Crescent Beach access, two heated swimming pools, a waterfront hot tub overlooking the Intracoastal, fitness center, lighted tennis and pickleball courts, BBQ grills, fishing pier and boat docks available for daily rental. With a three-night minimum rental policy and established onsite management, this efficient one-bedroom residence presents a compelling combination of personal enjoyment, rental flexibility and exceptional Siesta Key value.

Facts

Property type
Condominium
Year built
1975
Bathrooms
1 full, 1 half
Living area
956 sqft
Waterfront
Yes · 1,000 ft
Water access
Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway
Private pool
No
Exposure
North
Furnished
Furnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$6,121/yr
Monthly fees
$1,237/mo
Listed
Aug 12, 2026
MLS #
A4702809

Virtual tours

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 5970 MIDNIGHT PASS RD #177. 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

$5,576

$3,287 of that is principal & interest. 41% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$3,287
Property taxes
$510
Homeowners insurance
$542
Flood insurance
$0
HOA / condo fees
$1,237
Mortgage insurance (PMI)
$0
Total per month
$5,576

Over the life of the loan

Loan amount
$520,000
Down payment
$130,000
Total interest
$663,231
Principal + interest paid
$1,183,231
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.

5970 Midnight Pass Rd #177, Sarasota, FL 34242

Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4702809 · Active

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

In person · Fri, Oct 30 · Afternoon (3-6)

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 30, 2026, 2:04 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]