3802 GULF OF MEXICO DRIVE UNIT A203, LONGBOAT KEY, FL, 34228
Active4 days on marketListed Sep 16, 2026MLS #A4704650
About this home
3802 GULF OF MEXICO DRIVE UNIT A203
Gulf views! Just bring your flip flops and bathing suit to this move-in ready 2br/2ba condo on the 2nd floor in Beach Harbor Club. This beautifully maintained Gulf-to-bay community offers boat slips on the bay and private beach access on the Gulf side, as well as pool, clubhouse, gym and private beach access just across the street! This unit has been tastefully updated to include an all-new bright open kitchen with custom cabinetry, stone counters and high-end appliances, including a Fisher & Paykel fridge, a two-drawer Cafe dishwasher, and a Cafe two-oven, six-burner stove. Flooring throughout was replaced with a light blond luxury vinyl plank. Both baths had updates including cabinetry and same quartz countertops found in the kitchen. The AC was replaced in 2024. This home also has a sweet view of the Gulf from the outdoor seating area in the front. The monthly fee includes water, trash, internet, cable, and pest control, as well as the usual insurances, and exterior maintenances. Beach Harbor Club is an active and amenities-rich community with boat docks, a pool, a gym, private beach access, kayak storage, a ground-level storage closet for beach gear, a beautiful clubhouse and just upstairs from this unit is a wonderful rooftop deck for sunset viewing. No effort required to start living your beach life dream today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,007
Sqft
6.06 ac
Lot size
1970
Year built
One
Levels
$396
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.
$4,268 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,268/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+13.8%
$/sqft vs Longboat Key actives
$396 vs $663
Days on market
4 vs 93 typical
Where $396/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
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)
92 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 31% below the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 3802 GULF OF MEXICO DRIVE UNIT A203
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$316,000
3810 GULF OF MEXICO DRIVE UNIT F302 · same community
2 bd · 2 ba · 1,007 sqft · $314/sqft · 150 DOM
Sold · Jun ’26$419,741
3804 GULF OF MEXICO DRIVE UNIT B305 · same community
2 bd · 2 ba · 1,007 sqft · $417/sqft · 30 DOM
Sold · Jul ’26$315,000
3810 GULF OF MEXICO DRIVE UNIT F206 · same community
2 bd · 2 ba · 1,007 sqft · $313/sqft · 16 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
Moe Thouk Oo
Licensed Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 3802 GULF OF MEXICO DRIVE UNIT A203 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3802 GULF OF MEXICO DRIVE UNIT A203 — before you fall in love.
See it in person
Schedule a tour
Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3802 GULF OF MEXICO DRIVE UNIT A203 FAQs
What would the monthly payment be for 3802 GULF OF MEXICO DRIVE UNIT A203?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,268/mo — principal and interest, the actual property-tax bill, the $1,347/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 3802 GULF OF MEXICO DRIVE UNIT A203?+
The association fee works out to $1,347 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3802 GULF OF MEXICO DRIVE UNIT A203?+
The most recent tax bill on record (2025) was $2,828. 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 3802 GULF OF MEXICO DRIVE UNIT A203?+
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 $399,000, this home is listed about 58% 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 3802 GULF OF MEXICO DRIVE UNIT A203?+
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
Five things that matter here
01Under the LONGBOAT KEY 34228 market on paper
$399,000 is 31% below the LONGBOAT KEY 34228 median of $580,000, and at $396/sqft it sits under the Longboat Key average of $851.
02Garden & Water views
The garden and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,347/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 4 days on market in a Longboat Key market that averages 93 — if it fits, move quickly.
05Strong 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 PREMIER SOTHEBY'S INTERNATIONAL REALTY · Holly Switow. MLS #A4704650.
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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