CENTURY 21 Edge
$480,000$549,0002 bd2 ba1,152 sqft$417 /sqft$3,724 /mo all-in ↓

4380 EXETER DRIVE UNIT H202, LONGBOAT KEY, FL, 34228

Active315 days on marketListed Nov 10, 2025MLS #A4671530

Priced 18% below the LONGBOAT KEY 34228 medianReduced $69KWaterfrontFully furnishedCondominiumLONGBOAT HARBOUR

About this home

4380 EXETER DRIVE UNIT H202

Live the best of Longboat Key from Longboat Harbour, a gated Bay-to-Beach community where boating, beach days, recreation, and waterfront relaxation are all part of everyday life. This beautifully updated, turnkey second-floor residence offers 2 bedrooms, 2 baths, peaceful water views, and an open floor plan designed for effortless coastal living. What truly sets Longboat Harbour apart is the lifestyle. Just a short walk across the street brings you to the community’s private deeded Gulf beach access, where residents enjoy a full beach house with bathrooms, showers, beach chair storage, and reserved parking. It is easy to grab your chair, head to the sand, take a swim in the Gulf, or settle in for one of Longboat Key’s unforgettable sunsets. For boating enthusiasts, the community’s deep-water marina offers sailboat access with no bridges to the bay, making it easy to enjoy Sarasota Bay and the surrounding waterways. Boat slips are available to residents on a first-come, first-served basis for a nominal fee, with water and electric service available at each slip. There is always something to enjoy at Longboat Harbour, with endless ways to embrace the island lifestyle without ever leaving the community. Residents can take advantage of four heated swimming pools, tennis and pickleball courts, a fitness center, sauna, shuffleboard, putting green, fishing pier, kayak storage and launch area, clubhouse, billiards, card room, library, art studio, woodworking shop, meeting spaces, picnic areas with grills, and beautifully maintained walking paths throughout the property. Beyond the amenities, Longboat Harbour offers a warm and welcoming social atmosphere with planned activities, resident events, and regular community updates, creating plenty of opportunities to connect with neighbors and enjoy the community. Inside the residence, the coastal setting continues with a bright, open living area that extends to an exceptionally spacious screened lanai. Sliding glass doors fill the space with natural light and frame peaceful water views, creating an inviting setting for morning coffee, outdoor dining, or simply relaxing and enjoying the surroundings. The condo was fully updated in 2025 with luxury vinyl plank flooring, refreshed ceilings, fresh paint, and a redesigned kitchen featuring white cabinetry, quartz countertops, a coastal glass backsplash, and a coffee bar. Both bathrooms have also been beautifully renovated with contemporary finishes, including porcelain tile, quartz vanities, and a frameless glass shower in the primary suite. Additional conveniences include a designated covered parking space, the private storage closet on the lanai, and an additional assigned personal storage conveniently located on the second floor near the residence. The monthly association fee includes hazard, hurricane, and flood insurance, and the community’s reserves are fully funded. Owners may also rent their unit up to twice per year, with a minimum lease term of one month, offering added flexibility for those who may wish to enjoy the residence seasonally. For those seeking more than just a residence, Longboat Harbour offers a true island lifestyle where beach, boating, recreation, waterfront living, and community all come together in one exceptional Longboat Key setting, and Unit H202 is the perfect place to enjoy it all with its turnkey interiors, peaceful water views, and beautifully updated coastal style.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,152

Sqft

0 ac

Lot size

1970

Year built

One

Levels

$417

Per sqft

WaterfrontWater viewFurnished

Inside

FlooringLuxury Vinyl · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Living Room/Dining Room Combo
LaundryInside
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofOther
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouthwest
ParkingAssigned · Covered · Deeded · Ground Level · Guest
ExteriorIrrigation System · Outdoor Shower · Sauna · Sidewalk · Sliding Doors · Tennis Court(s)

Community & fees

Taxes (2025)$6,314/yr
PetsNo
CommunityBay/Harbor Front · Canal Front · Intracoastal Waterway · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · No Truck/RV/Motorcycle Parking · Pool · Sidewalks · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,724 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property tax — 2025 actual bill$526
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,800Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,800
Interest rate6.00%
Loan term

Estimated payment

$3,724/mo

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property taxes (actual bill)$526
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $480K
$461KedgeAI estimate $531,825 · range $530K$537K$559K

vs edgeAI estimate

−9.7%

$/sqft vs LONGBOAT HARBOUR

$417 vs $443

Days on market

315 vs 93 typical

Where $417/sqft sits among the 8 homes for sale in LONGBOAT HARBOUR

1
1
1 · this home
2
1
2
$369–388$388–408$408–427$427–446$446–466$466+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Longboat Key

Get to know Longboat Key. See the full Longboat Key guide →

LONGBOAT KEY 34228 — neighborhood snapshot

Population

7,512

Median age

71.5

Median income

$143,365

Median home value

$959,200

Avg household

1.8

Households w/ children

51%

For the school run

Sarasota County School District

HighBooker High School★★★★★
MiddleBooker Middle School★★★★
ElementarySouthside Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Longboat Key market

Seller’s marketBalanced5.5 months of inventoryBuyer’s market

$820K$1.4M

Longboat Key median sold, yr/yr

93.1%

Sale-to-list ratio (12 mo)

4 of 8

LONGBOAT HARBOUR have cut their price

Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 18% below the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →

Paper trail

This home's history

CurrentPrice reduced to $480,000 $69K
Nov 10, 2025Listed at $549,000 · 315 days on market since
1970Built · LONGBOAT HARBOUR

Reality check

What actually sold near 4380 EXETER DRIVE UNIT H202

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4390 EXETER DRIVE UNIT 206Sold · Jul ’26

$525,000

4390 EXETER DRIVE UNIT 206 · same community

2 bd · 2 ba · 1,152 sqft · $456/sqft · 212 DOM

4420 EXETER DRIVE UNIT 307Sold · Apr ’26

$550,000

4420 EXETER DRIVE UNIT 307 · same community

2 bd · 2 ba · 1,152 sqft · $477/sqft · 65 DOM

4380 EXETER DRIVE UNIT 303Sold · Dec ’25

$460,000

4380 EXETER DRIVE UNIT 303 · same community

2 bd · 2 ba · 1,152 sqft · $399/sqft · 44 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4380 EXETER DRIVE UNIT H202 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4380 EXETER DRIVE UNIT H202 — before you fall in love.

See it in person

Schedule a tour

Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4380 EXETER DRIVE UNIT H202 FAQs

What would the monthly payment be for 4380 EXETER DRIVE UNIT H202?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,724/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 4380 EXETER DRIVE UNIT H202?+

The most recent tax bill on record (2025) was $6,314. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 4380 EXETER DRIVE UNIT H202?+

The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Longboat Key?+

At $480,000, this home is listed about 49% below the Longboat Key median of $950,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4380 EXETER DRIVE UNIT H202?+

Booker High School (high), Booker Middle School (middle), Southside Elementary School (elementary) — Sarasota County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Under the LONGBOAT KEY 34228 market on paper

$480,000 is 18% below the LONGBOAT KEY 34228 median of $582,500, and at $417/sqft it sits under the Longboat Key average of $851.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

315 days on market against a Longboat Key median of 93 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Booker High School, Booker Middle School, Southside Elementary School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $549,000, now $480,000 — a $69K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Ryan Skrzypkowski. MLS #A4671530.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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4380 EXETER DRIVE UNIT H202, LONGBOAT KEY, FL — 2 Bed, 2 Bath — $480,000 | CENTURY 21 Edge