CENTURY 21 Edge
$8,985,0004 bd5.5 ba6,186 sqft$1,452 /sqft≈$56,759 /mo all-in ↓

445 MCKINLEY DRIVE, SARASOTA, FL, 34236

Active9 days on marketListed Oct 1, 2026MLS #A4690180

WaterfrontPrivate poolSingle Family ResidenceLIDO BEACH DIV B 3

About this home

445 MCKINLEY DRIVE

On the quiet southern end of Lido Key, this extraordinary LEED Platinum waterfront estate offers a rare combination of deep-water boating access, walkable beach living, advanced storm-resilient construction, and refined modern luxury. Set on more than half an acre along a wide protected basin with quick access to Sarasota Bay and the Gulf, the property enjoys exceptional privacy enhanced by preserve views across the street, while capturing sweeping rooftop vistas of downtown Sarasota, Sarasota Bay, and the Gulf beyond. Originally built in 2002 and completely reimagined in 2009/2010 as one of the nation’s first LEED Platinum-certified residential renovations, the residence was engineered far beyond conventional coastal construction standards. Reinforced concrete-block construction, impact-rated glass, solar technology, elevated design, and a remarkably efficient HERS rating of 28 combine to create a home offering both sustainability and peace of mind without compromise. Expansive motorized glass walls create seamless indoor-outdoor living, opening the great room, dining area and kitchen to the resort-style waterfront terraces and covered lanai. The chef’s kitchen combines exceptional function with sleek modern design, featuring custom Neff cabinetry, Wolf and Sub-Zero appliances, a walk-in pantry, wet bar, and extensive prep and storage areas. Nearby service spaces include an additional refrigerator and dishwasher, built-in storage, and a glass walled wine room. The main-level primary suite serves as a private waterfront retreat with tranquil water views, motorized blackout draperies, integrated audio, and a secluded Zen garden with outdoor shower. The spa-inspired bath features dual vanities, soaking tub, frameless shower, custom storage, and premium Kohler fixtures, while the oversized wardrobe room offers extensive custom built-ins and secure storage. Also on the main level is a fully customized executive office with motorized workstations and built-in cabinetry, along with an oversized three-car garage featuring epoxy floors, air-conditioned workshop space, loft storage, and direct access to the waterfront. Upstairs, multiple guest suites enjoy private balconies, water and skyline views, and en-suite baths. Additional gathering spaces include a loft, media lounge, and dedicated entertainment areas designed for both relaxed daily living and large-scale hosting. Above it all, the rooftop terrace captures panoramic sunset views spanning Sarasota Bay, downtown Sarasota, and the Gulf coastline. The outdoor living experience rivals that of a private resort. Redesigned pool and spa areas feature multiple water elements, automated controls, UV and ion purification systems, gas and heat-pump heating, and expansive lounging and entertaining spaces. The covered lanai includes retractable hurricane and insect screens, in-ceiling heaters, outdoor kitchen, fireplace, integrated audio, pool bath, outdoor shower, and elevated porcelain decking throughout. Completed in 2022, the new seawall and dock were designed to fully embrace Sarasota’s boating lifestyle, featuring a 19,000-pound boat lift, kayak launch, underwater lighting, shore power pedestal, and quick no-bridge access to Sarasota Bay and the Gulf waters beyond. A rare convergence of location, craftsmanship, sustainability, privacy, and waterfront lifestyle, this is one of Lido Key’s most distinctive coastal estates, thoughtfully designed for effortless living at the highest level.

Facts & features

The home at a glance

4

Bedrooms

5.5

Bathrooms

6,186

Sqft

0.55 ac

Lot size

3

Garage

2002

Year built

Two

Levels

$1,452

Per sqft

Private poolWaterfrontFireplacePool & Water viewNegotiablePets allowed

Inside

FlooringTile · Hardwood
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Refrigerator · Solar Hot Water · Solar Hot Water Owned · Washer · Water Filtration System · Water Purifier · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Humidity Control · Mini-Split Unit(s)
HeatingCentral · Electric · Solar
FurnishedNegotiable

Outside & construction

RoofMembrane · Metal
ConstructionBlock · Concrete · Stucco · Wood Frame
FoundationSlab · Stem Wall
ViewPool · Water
FacesSouth
ParkingCircular Driveway · Covered · Driveway · Garage Door Opener · Garage Faces Side · Off Street · Workshop in Garage
ExteriorBalcony · Fire Pit · Garden · Gray Water System · Hurricane Shutters · Irrigation System · Lighting · Misting System · Outdoor Kitchen · Outdoor Shower · Permeable Paving · Private Mailbox · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2025)$56,963/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Sprinkler Well · Street Lights · Underground Utilities · Water Connected
WaterPublic · Well

The numbers

What it really costs

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

$56,759 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$48,483
PMI (est., until 20% equity)$3,369
Property tax — 2025 actual bill$4,747
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $898,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $898,500
Interest rate6.00%
Loan term

Estimated payment

$56,759/mo

Principal & interest$48,483
PMI (est., until 20% equity)$3,369
Property taxes (actual bill)$4,747
Est. insurance$160

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.

$/sqft vs Sarasota actives

$1,452 vs $393

Days on market

9 vs 85 typical

Where $1,452/sqft sits among the 400 Sarasota actives

203
68
53
32
13
31 · this home
$158–410$410–661$661–913$913–1165$1165–1417$1417+

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 Lido Key

Drive times from this address

Downtown Tampa≈ 72 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Sarasota. See the full Sarasota guide →

Lido Key — neighborhood snapshot

Population

1,257

Median age

68

Median income

$250,001

Median home value

$1,127,100

Avg household

2

Households w/ children

18%

For the school run

Sarasota County School District

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

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

The numbers that matter

The Sarasota market

Seller’s marketLeans seller — 4.3 months of inventoryBuyer’s market

$475K → $493K

Sarasota median sold, yr/yr

95.2%

Sale-to-list ratio (12 mo)

194 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 1025% above the SARASOTA 34236 median. See the full Sarasota market guide →

Paper trail

This home's history

Oct 1, 2026Listed at $8,985,000 · 9 days on market since
2002Built · LIDO BEACH DIV B 3

Reality check

What actually sold near 445 MCKINLEY DRIVE

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

3460 FLAMINGO AVENUESold · May ’26

$6,300,000

3460 FLAMINGO AVENUE

5 bd · 6.5 ba · 6,030 sqft · $1,045/sqft · 27 DOM

265 CEDAR PARK CIRCLESold · Dec ’25

$7,200,000

265 CEDAR PARK CIRCLE

5 bd · 5.5 ba · 6,455 sqft · $1,115/sqft · 66 DOM

749 FREELING DRIVESold · Apr ’26

$4,700,000

749 FREELING DRIVE

4 bd · 4.5 ba · 6,827 sqft · $688/sqft · 107 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 445 MCKINLEY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 445 MCKINLEY DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

445 MCKINLEY DRIVE FAQs

What would the monthly payment be for 445 MCKINLEY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $56,759/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 445 MCKINLEY DRIVE?+

The most recent tax bill on record (2025) was $56,963. 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 445 MCKINLEY DRIVE?+

The listing reports pets: Yes. 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 $8,985,000, this home is listed about 1534% above the Sarasota median of $550,000. The market section on this page shows how the area is trending.

Which schools are assigned to 445 MCKINLEY DRIVE?+

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

The brief

Three things that matter here

01Positioned at the premium end

$8,985,000 runs 1025% above the SARASOTA 34236 median — but at 6,186 sqft it's also nearly 4 times the size of the typical Sarasota listing.

02Waterfront living

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

03Strong assigned schools

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

Listing courtesy of DOUGLAS ELLIMAN · Joel Schemmel. MLS #A4690180.

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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