5855 MIDNIGHT PASS ROAD UNIT 510, SARASOTA, FL, 34242
Active60 days on marketListed Jun 11, 2026MLS #A4696548
About this home
5855 MIDNIGHT PASS ROAD UNIT 510
**Resort Style Living in the Heart of Siesta Key, For Those Who Desire The Active Life Style** Experience the best of Siesta Key living at Harbor Towers Yacht & Racquet Club, a premier waterfront community overlooking Little Sarasota Bay with one of the lowest HOA's on the Key. This beautifully maintained turn-key furnished **2-bedroom, 2-bath residence** features a desirable **split floor plan** and is ideally positioned on the **5th floor**, offering tranquil **Intracoastal Waterway views**. Inside, you’ll find thoughtful updates including **new wood-look vinyl plank flooring in both bedrooms**, along with a **new electric range and microwave** in the kitchen. Enjoy the convenience of a **deeded covered carport**, providing protected parking and added value. Harbor Towers is renowned for its resort-style amenities, including **two heated pools**, a clubhouse with outdoor grilling patio, and a **state-of-the-art fitness center** with cardio equipment, free weights, and sauna. Tennis enthusiasts will appreciate the meticulously maintained **Har-Tru courts**, serviced daily for optimal play. The in house Rental Agency is there to help you rent, with a 2 week minimum rental policy. For boating and water lovers, the on-site **marina with 40 slips equipped with water/electric available on first-come, first-served basis**, along with kayak storage and launch, offers direct access to the Intracoastal Waterway. Residents can relax along the scenic waterway, enjoy shaded seating, or unwind in the waterfront gazebo. Additional perks include bicycle storage and **complimentary access to the Siesta Key Open-Air Trolley**, making it easy to explore the island. You’re just moments from **world-famous Siesta Key Beach**, known for its powdery quartz sand and breathtaking sunsets, as well as Siesta Key Village with its vibrant dining, shopping, and entertainment. The community has recently undergone significant upgrades, including **new stucco exterior, impact-resistant windows, and sliding glass doors**, offering enhanced beauty and peace of mind.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
8.71 ac
Lot size
1976
Year built
One
Levels
$598
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 and the real association fee — not generic estimates.
$5,369 /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
$5,369/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
−19.9%
$/sqft vs Sarasota actives
$598 vs $344
Days on market
60 vs 63 typical
Where $598/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
$475K → $493K
Sarasota median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
162 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 53% above the SARASOTA 34242 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 5855 MIDNIGHT PASS ROAD UNIT 510
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$550,000
139 VISTA HERMOSA CIRCLE
2 bd · 2 ba · 1,165 sqft · $472/sqft · 76 DOM
Sold · Aug ’25$1,170,000
6312 MIDNIGHT PASS ROAD UNIT 102S
2 bd · 2 ba · 1,166 sqft · $1,003/sqft · 23 DOM
Sold · Mar ’26$1,125,000
6342 MIDNIGHT PASS ROAD UNIT 423
2 bd · 2 ba · 1,214 sqft · $927/sqft · 47 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5855 MIDNIGHT PASS ROAD UNIT 510 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5855 MIDNIGHT PASS ROAD UNIT 510 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5855 MIDNIGHT PASS ROAD UNIT 510 FAQs
What would the monthly payment be for 5855 MIDNIGHT PASS ROAD UNIT 510?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,369/mo — principal and interest, the actual property-tax bill, the $750/mo association fee 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.
How much are the HOA fees at 5855 MIDNIGHT PASS ROAD UNIT 510?+
The association fee works out to $750 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5855 MIDNIGHT PASS ROAD UNIT 510?+
The most recent tax bill on record (2025) was $5,794. 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 5855 MIDNIGHT PASS ROAD UNIT 510?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $689,000, this home is listed about 23% above the Sarasota median of $559,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$689,000 runs 53% 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.
03Know the monthly fee
The association fee is $750/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Julie Kell. MLS #A4696548.
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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