520 HARBOR CAY DRIVE Longboat Key, FL $ 3,995,000
520 HARBOR CAY DRIVE
$ 3,995,000
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520 HARBOR CAY DRIVE

Longboat Key, FL, 34228
$ 3,995,000
Bedrooms4 Baths4.1 Sq 3,828

Monthly Estimate*

$ 24,924

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Single Family Home for sale in Longboat Key, FL

for $3,995,000 with 4 bedrooms and 4 full baths, 1 half bath. This 3,828 square foot home was built in 1986 on a lot size of 0.4.

This exquisite two-story waterfront home located in the coveted Harbor section of Bay Isles has been meticulously renovated to embody modern elegance and luxurious coastal living. Surrounded by lush tropical landscaping, the home welcomes you through an elegant French door entrance into the grand foyer, where soaring ceilings, gleaming travertine flooring, and a striking wrought iron floating staircase with rich, dark wood steps set the tone for the refined elegance that unfolds throughout the home. The lower level boasts a bright and airy open space with hardwood floors throughout, creating a welcoming atmosphere that effortlessly combines sophistication with the timeless beauty of natural materials. The spacious family room is anchored by a stunning fireplace with decorative columns and an elegant mantel, complemented by French doors leading to the expansive waterfront lanai, reinforcing the home's seamless connection to its stunning natural surroundings. A culinary enthusiast’s dream, the generously sized kitchen features a large island with a waterfall granite countertop, custom cabinetry, ample storage space, and high-end stainless steel appliances, including a six-burner gas range and double ovens. Adjacent to the kitchen, the dining area and great room spaces flow seamlessly into each other. The great room is both grand and inviting, showcasing a dramatic wood-clad cathedral ceiling that adds warmth and character. A second stone fireplace enhances the ambiance, while three sets of French doors that open onto the lanai offer an effortless transition between indoor and outdoor living. Also on this level are two generous guest suites, each with a full bath, one with direct lanai access, and a den with full bath. Upstairs, the primary suite is a true retreat. Floor-to-ceiling windows illuminate the space, and French doors open to a spacious private balcony, offering captivating water views that create a peaceful escape. A cozy fireplace adds to the intimate atmosphere, while the spa-inspired en-suite bath indulges with marble flooring, soaking tub, dual vanities, frameless glass walk-in shower, and water closet, all overlooking the serene waterway. The outdoor living space is equally spectacular, designed for both relaxation and entertaining. The expansive lanai features multiple covered areas with a rich wood-clad ceiling and retractable screens, a sun-drenched open-air section, and a stunning saltwater pool with travertine decking framed by verdant tropical landscaping. Just beyond the pool, a private dock with a boat lift sits on a deep-water basin and wide canal with no bridges to Sarasota Bay, offering quick and direct access for boating enthusiasts. Bay Isles Beach Club membership is included. This extraordinary home seamlessly blends elegance, comfort, and the unparalleled beauty of waterfront living, creating a sanctuary that is as functional as it is breathtaking.

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Single Family Active

Price

$ 3,995,000

Bedrooms

4

Full Bath

4

Half Bath

1

Property Type

Single Family

Taxes

$ 29,765

Style

Custom,Florida

Lot Size

0.4

Year Built

1986

Town/City

Longboat Key

County/Region

Manatee

MLS | Web ID

A4643565

Features
Interior
Interior Amenities ceiling fan(s) eating space in kitchen high ceilings kitchen/family room combo open floorplan primarybedroom upstairs solid surface counters solid wood cabinets split bedroom stone counters thermosta
Flooring engineered hardwood marble travertine
Furnished Y/N unfurnished
Fireplace Features family room gas living room master bedroom
Air Conditioning Y/N yes
Heating Y/N yes
Window Features drapes shades
Fireplace Y/N yes
Half Baths 1
Laundry Features inside laundry room
Total Bedrooms 4
Total Baths 5
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General
Sewer public sewer
Heating central electric
Cooling central air
Utilities electricity connected natural gas connected public sewer connected street lights underground utilities water connected
Possession close of escrow
Roof tile
Appliances built-in oven cooktop dishwasher disposal dryer freezer microwave range hood refrigerator trash compactor washer
Zoning pd
HOA Fee 2500
Garage Spaces 2
Association Fee Includes 24-hour guard common area taxes private road security
Patio/Porch Features covered deck rear porch screened
Architectural Style custom florida
Pool Features deck heated in ground lighting tile
Security Features gated community key card entry security gate security lights security system smoke detector(s)
Construction Materials block stucco
Pets Allowed cats ok dogs ok yes
Year Built 1986
View pool trees/woods water
Levels two
Property Subtype single family residence
Tax Year 2024
Ownership fee simple
Waterfront Features canal front waterfront bay/harbor
Community Features canal front water access waterfront gated community - guard
HOA Fee 2 3720
Assoc Fee Paid Per annually
County sarasota
New Construction no
Property Type residential
HOA Y
Attached Garage yes
Subdivision Name bay isles
Facing Direction northwest
Garage Y/N yes
Total Rooms 9
Full Baths 4
Status active
Directions from south longboat key. go north on gulf of mexico drive to south gate of bay isles after guard gate take immediate right thru green gates second left 2nd home on the right.
High School booker high
City longboat key
Association Name ken kanderfer
Senior Community Y/N no
MLS Area 34228 - longboat key
Lot Size Units square feet
Lot Size Square Feet 17535
Carport Y/N no
Listing Terms cash conventional
HOA Fee 2 Frequency annually
Elementary School southside elementary
Land Lease Y/N no
Tax Annual Amount 29765
Middle/Junior High School booker middle
Additional Parcels Y/N no
Lease Considered Y/N yes
Virtual Tour https://links.us1.defend.egress.com/warning?crid=67ce089979370367700312f6&domain=michaelsaunders.com&threat=enpzrshjlcplzaeadmkdra%3d%3d&lang=en&base64url=enrlkckpklbs1y8vl9dllspmssuptc3ss87p1tc1mtdn
Building Area Units square feet
Living Area Units square feet
Standard Status active
Occupancy Type owner
Tax Lot 35
Legal Description lot 35 bay isles unit 1
Water View bay/harbor - full bayou lagoon
Water Access Type bay/harbor bayou canal - saltwater intracoastal waterway
Pet Size Limit extra large (101+ lbs.)
Minimum Lease 8-12 months
Water Access Y/N yes
Monthly HOA Amount 208.33
Additional Rooms family room great room inside utility
Water View Y/N yes
Flood Zone Code ae
DockY/N yes
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Exterior
Exterior Amenities balcony french doors irrigation system lighting outdoor grill outdoor kitchen rain gutters sliding doors
Vegetation mature landscaping trees/landscaped
Parking Features circular driveway driveway garage door opener ground level off street
Lot Features floodzone city lot landscaped near golf course near marina private street dead-end
Water Source public
Lot Size Area 17535
Foundation Details stem wall
Spa no
Building Area Total 6095
Lot Size Acres 0.4
Road Surface Type paved asphalt
Private Pool yes
Waterfront Y/N yes
Covered Spaces 2
Road Frontage Type street dead-end street paved private road
Road Responsibility private maintained road
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Internal Only
Street Number 1 520
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* Excluded Features
List By
Michael Saunders & Company

Broker

SteveWalter@MichaelSaunders.com

Email

Affordability Calculator

$27,404
Per Month
91%
9%
0%
Monthly Principal & Interest
$24,924
Monthly Property Taxes
$2,480
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3324930 Elementary School
265039 Middle School
Booker High High School
Pricing History
DatePricePrice ChangeDescription
10/1/2025$3,995,000 -6.00% Price Down
7/26/2025$4,250,000 -5.45% Price Down
3/13/2025$4,495,000 Listed Price

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520 HARBOR CAY DRIVE, Longboat Key, FL, 34228 is a Single Family Home for sale at $3,995,000 with 3,828 sqft and a lot size of 0.4. 520 HARBOR CAY DRIVE has 4 bedrooms, 4.1 baths, and was built in 1986. The property's zip code is 34228 which is in Longboat Key, FL