5740 MIDNIGHT PASS ROAD UNIT 104F, SARASOTA, FL, 34242
Active182 days on marketListed Jan 24, 2026MLS #A4679012
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Upcoming open house
Sun, Jul 26
1:00 PM – 4:00 PM
This is a must see unit at Gulf & Bay on Siesta Key (F-BUILDING) )! Gulf Front water views with 800 FT of private Beach!! Incredible Gulf-front first-floor residence (10’ elevation) within the amenity-rich (three pools, Pickle Ball Gym, tennis, outside grill area) 32-acre campus of the Gulf & Bay community on Siesta Key. This 2-bedroom, 2-bath furnished condominium . This unit was high and dry for ALL storms!! This is a must see!!
About this home
5740 MIDNIGHT PASS ROAD UNIT 104F
Incredible Gulf-front first-floor residence (10’ elevation) within the amenity-rich 32-acre campus of the Gulf & Bay community on Siesta Key. This 2-bedroom, 2-bath furnished condominium is ideally positioned in the highly desirable F Building and offers direct walk-out access to the beach with unobstructed views of 800 feet of private shoreline and the expansive Gulf of Mexico. Just steps from the sand, this exceptional location delivers the ultimate Gulf & Bay lifestyle—blending convenience, privacy, and breathtaking coastal scenery. This unit did not flood during recent storms. The remodeled kitchen features abundant cabinetry, a beverage cooler, and a comfortable eat-in area with a built-in desk. The primary suite captures beautiful Gulf views and includes a walk-in closet plus an additional wall closet. The en-suite bath has been tastefully remodeled with a frameless travertine shower, dual vanities, and a dedicated makeup area. The spacious guest bedroom offers two full Murphy beds, providing flexible sleeping accommodations. Additional highlights include a new A/C system (2025), 20" x 20" tile throughout the main living areas, and smooth ceilings—no popcorn. Gulf & Bay is truly one of the best resort complexes on Siesta key featuring: 2 clubhouses, 3 heated pools, pickleball courts, tennis courts (1 HarTru), well equipped fitness center, hot tub, multiple grill areas all leading out to World Famous, gorgeous Siesta Key Beach!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,449
Sqft
0 ac
Lot size
1986
Year built
One
Levels
$949
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$8,903 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,903/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
vs edgeAI estimate
+23.7%
$/sqft vs Sarasota actives
$949 vs $330
Days on market
182 vs 58 typical
Where $949/sqft sits among the 400 Sarasota actives
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 Sarasota
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
The numbers that matter
The Sarasota market
$470K → $470K
Sarasota median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
151 of 400
Sarasota actives have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 175% above the SARASOTA 34242 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 5740 MIDNIGHT PASS ROAD UNIT 104F
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,200,000
5740 MIDNIGHT PASS ROAD UNIT 402 · same community
2 bd · 2 ba · 1,337 sqft · $898/sqft · 127 DOM
Sold · Feb ’26$1,350,000
5740 MIDNIGHT PASS ROAD UNIT 405 · same community
2 bd · 2 ba · 1,337 sqft · $1,010/sqft · 182 DOM
Sold · Dec ’25$665,000
1586 STICKNEY POINT ROAD UNIT 102
2 bd · 2 ba · 1,405 sqft · $473/sqft · 0 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.
Your agent
Melinda Manges Iosua
Director, Agent Recruiting · CENTURY 21 Edge
Tours, negotiation, and every question about 5740 MIDNIGHT PASS ROAD UNIT 104F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5740 MIDNIGHT PASS ROAD UNIT 104F — before you fall in love.
See it in person
Schedule a tour
Live availability from Melinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5740 MIDNIGHT PASS ROAD UNIT 104F FAQs
What would the monthly payment be for 5740 MIDNIGHT PASS ROAD UNIT 104F?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,903/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 5740 MIDNIGHT PASS ROAD UNIT 104F?+
The most recent tax bill on record (2025) was $9,698. 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 5740 MIDNIGHT PASS ROAD UNIT 104F?+
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 Sarasota?+
At $1,375,000, this home is listed about 141% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$1,375,000 runs 175% above the SARASOTA 34242 median.
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
182 days on market against a Sarasota median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,395,000, now $1,375,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ANDREWS & ASSOCIATES REALTY · Tony Andrews. MLS #A4679012.
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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