448 GULF OF MEXICO DRIVE UNIT A104, LONGBOAT KEY, FL, 34228
Active46 days on marketListed Aug 7, 2026MLS #A4702393
About this home
448 GULF OF MEXICO DRIVE UNIT A104
Location! Location! Location! Awesome, Spectacular Bay views from the kitchen, dining room, living room and primary bedroom! One Bridge to the Gulf! No wait list boat slip! Longboat Key is the place you want to be for the quiet solitude of a gulf front key condo with easy access to the culture and services of Sarasota! This two bedroom, two bathroom Condo in the bay side community of Bay Harbour, has its own private marina with no wait list, and is just one bridge to the Gulf! Beach access is within minutes from several locations on Longboat, Lido and Anna Maria Island. With a Base Flood Elevation of 10 Ft, this unit was High and Dry during the storms of 2024. It has been exquisitely redesigned with upscale quartz and Cambria counter tops, ceramic and porcelain tile flooring and Bosch Appliances. There is plenty of storage available with the pantry and built in closets. Bay Harbour is a South Longboat Key community of 39 units in two buildings with a private pool, easily accessible pool baths, community room and fitness center. Each unit has assigned carport parking and separate storage. A well-managed and well-maintained community with reserves; the condo fees are among the lowest on the gulf!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,194
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$607
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.
$4,781 /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
$4,781/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
−27.1%
$/sqft vs Longboat Key actives
$607 vs $674
Days on market
46 vs 93 typical
Where $607/sqft sits among the 219 Longboat Key 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 Longboat Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Longboat Key market
$820K → $1.4M
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
94 of 219
Longboat Key actives have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 448 GULF OF MEXICO DRIVE UNIT A104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$620,000
450 GULF OF MEXICO DRIVE UNIT B207 · same community
3 bd · 2 ba · 1,474 sqft · $421/sqft · 290 DOM
Sold · Jan ’26$1,400,000
1160 MORNINGSIDE PLACE
2 bd · 2 ba · 1,346 sqft · $1,040/sqft · 169 DOM
Sold · Oct ’25$1,600,000
321 N BOULEVARD OF THE PRESIDENTS
2 bd · 2 ba · 1,367 sqft · $1,170/sqft · 140 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 448 GULF OF MEXICO DRIVE UNIT A104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 448 GULF OF MEXICO DRIVE UNIT A104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
448 GULF OF MEXICO DRIVE UNIT A104 FAQs
What would the monthly payment be for 448 GULF OF MEXICO DRIVE UNIT A104?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,781/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 448 GULF OF MEXICO DRIVE UNIT A104?+
The most recent tax bill on record (2025) was $5,248. 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 448 GULF OF MEXICO DRIVE UNIT A104?+
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 Longboat Key?+
At $725,000, this home is listed about 24% 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 448 GULF OF MEXICO DRIVE UNIT A104?+
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
Three things that matter here
01Positioned at the premium end
$725,000 runs 24% above the LONGBOAT KEY 34228 median.
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
Booker High School, Booker Middle School, Southside Elementary School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Diana Kryszak. MLS #A4702393.
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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