$650,000
Active5970 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
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting 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.
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5970 Midnight Pass Rd #177, Sarasota, FL 34242
Listing courtesy of MICHAEL SAUNDERS & COMPANY · MLS# A4702809 · 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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