3320 GULF OF MEXICO DRIVE UNIT 206C, LONGBOAT KEY, FL, 34228
Active25 days on marketListed Aug 28, 2026MLS #A4703984
About this home
3320 GULF OF MEXICO DRIVE UNIT 206C
Longboat Arms - 2BR / 2BA / 1,187 sq ft - Bring your boat and enjoy a slice of paradise! This lovely second-floor condo offers views of the bay, pool, and marina from the front. Open and light-filled, it features a covered front porch and was completely remodeled in 2017. Highlights include all-new hurricane-impact windows, a kitchen with stainless steel appliances and granite countertops, and a hall closet with washer/dryer hookup (or use the convenient laundry facility on the same floor). Tastefully decorated and move-in ready. Located in the low-density Longboat Arms community of just 45 residences with approximately 1,000 feet of waterfront and abundant green space. Enjoy covered parking, a private community boat ramp (perfect for boats, kayaks, paddleboards, jet skis), and offering boat dockage - available to residents on waitlist basis (currently open), heated pool, tennis court, outdoor amenities, and deeded Gulf beach access just across the street. The separate community building is currently undergoing extensive renovation. This is an outstanding opportunity for full-time living, a seasonal retreat, or a smart investment in one of mid-island Longboat Key’s most appealing bay-side communities. Don’t miss your chance to own in Longboat Arms — schedule your private showing today! "Furnishings available upon request"
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,186
Sqft
0 ac
Lot size
1971
Year built
One
Levels
$497
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.
$3,959 /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
$3,959/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
−21.4%
$/sqft vs Longboat Key actives
$497 vs $674
Days on market
25 vs 93 typical
Where $497/sqft sits among the 218 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
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)
93 of 218
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 1% 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 3320 GULF OF MEXICO DRIVE UNIT 206C
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$590,000
3320 GULF OF MEXICO DR DRIVE UNIT 208C · same community
2 bd · 2 ba · 1,154 sqft · $511/sqft · 107 DOM
Sold · Dec ’25$300,000
3330 GULF OF MEXICO DRIVE UNIT 107D · same community
2 bd · 2 ba · 1,106 sqft · $271/sqft · 28 DOM
Sold · Dec ’25$590,000
3330 GULF OF MEXICO DRIVE UNIT 205D · same community
2 bd · 2 ba · 1,362 sqft · $433/sqft · 4 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3320 GULF OF MEXICO DRIVE UNIT 206C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3320 GULF OF MEXICO DRIVE UNIT 206C — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3320 GULF OF MEXICO DRIVE UNIT 206C FAQs
What would the monthly payment be for 3320 GULF OF MEXICO DRIVE UNIT 206C?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,959/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 3320 GULF OF MEXICO DRIVE UNIT 206C?+
The most recent tax bill on record (2025) was $4,735. 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 3320 GULF OF MEXICO DRIVE UNIT 206C?+
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 $589,900, this home is listed about 38% 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 3320 GULF OF MEXICO DRIVE UNIT 206C?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Strong assigned schools
Booker High School, Booker Middle School, Southside Elementary School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $624,900, now $589,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Steve Walter. MLS #A4703984.
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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