CENTURY 21 Edge
$624,9002 bd2.5 ba1,690 sqft$370 /sqft≈$3,807 /mo all-in ↓

1920 HARBOURSIDE DRIVE UNIT 1003, LONGBOAT KEY, FL, 34228

Active1 days on marketListed Oct 11, 2026MLS #A4706809

WaterfrontTownhouseFAIRWAY BAY 1

About this home

1920 HARBOURSIDE DRIVE UNIT 1003

Virtually Staged. Start your day with glowing sunrise views across Sarasota Bay from the living room, primary suite, and screened lanai, where the waterfront setting makes every moment feel like a retreat. Located within the gated waterfront enclave of Bay Isles, this spacious 2-bedroom, 2.5-bath townhome offers effortless island living with serene bay views and a flexible layout. Access to Bay Isles EXCLUSIVE Beach Club right across the street! The main living level is thoughtfully designed for everyday living and entertaining, featuring an open living and dining area complemented by a wood-burning fireplace. The kitchen offers ample space for casual meals and future customization. Large sliders extend the living space to a screened lanai overlooking the bay—an ideal spot to unwind or host guests. Hurricane shutters are already installed, offering added security and peace of mind. Upstairs, two well-proportioned bedroom suites each include private baths and walk-in closets, providing comfort and privacy for owners and guests alike. The primary suite is highlighted by a light-filled bath with an oversized soaking tub with jets and skylights above, creating a relaxing, spa-inspired atmosphere. A versatile loft area with additional skylights offers flexibility for a home office or gym, den, or reading space. On the ground level, an oversized two-car tandem garage delivers exceptional storage and functionality, with room for hobbies or a workshop. Residents of Fairway Bay enjoy a pet-friendly environment, professional on-site management, lushly landscaped walking and biking paths, and a private heated pool. Ownership also includes access to the exclusive Bay Isles Beach Club, a private Gulf-front amenity offering pavilion seating, tropical cabanas, grilling and picnic areas, beach storage, kitchen prep, and private restroom facilities. Ideally situated near the beaches, golf, dining, and shopping of Longboat Key, this townhome presents a rare opportunity to own in one of the island’s most established and desirable communities. Optional membership in the Longboat Key Club offers access, depending on membership category, to 45 holes of championship golf, more than 20 Har-Tru tennis courts, pickleball, multiple dining venues, private beach and pool facilities, a full-service spa, fitness and wellness facilities, member events, Marina Village and the Club’s deep-water marina.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,690

Sqft

10.83 ac

Lot size

2

Garage

1982

Year built

Two

Levels

$370

Per sqft

WaterfrontFireplaceCity & Garden & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Range · Refrigerator · Trash Compactor
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Skylight(s) · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryInside · Upper Level
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMembrane · Metal
ConstructionBlock · Cement Siding · Stucco
FoundationSlab
ViewCity · Garden · Water
FacesSoutheast
ParkingAssigned · Driveway · Garage Door Opener · Ground Level · Guest · Oversized · Tandem
ExteriorAwning(s) · Sidewalk · Sliding Doors · Tennis Court(s)

Community & fees

HOA fee$41/mo
Taxes (2025)$0/yr
PetsYes
CommunityWater Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Fitness Center · Gated Community - Guard · Golf · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Available · Phone Available · Public · Sewer Available · Street Lights · Underground Utilities · Water Available
WaterPublic

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.

$3,807 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,372
PMI (est., until 20% equity)$234
Property tax — 2025 actual bill$0
HOA fee — from the listing$41
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $62,490Loan30-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% · $62,490
Interest rate6.00%
Loan term

Estimated payment

$4,380/mo

Principal & interest$3,372
PMI (est., until 20% equity)$234
Est. property taxes$573
HOA / condo fee$41
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

List $625K
$600KedgeAI estimate $883,974 · range $796K–$972K$1.0M

vs edgeAI estimate

−29.3%

$/sqft vs Longboat Key actives

$370 vs $659

Days on market

1 vs 125 typical

Where $370/sqft sits among the 219 Longboat Key actives

102 · this home
51
32
12
6
16
$361–637$637–912$912–1187$1187–1462$1462–1738$1738+

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

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

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

The numbers that matter

The Longboat Key market

Seller’s marketBalanced — 5.1 months of inventoryBuyer’s market

$820K → $948K

Longboat Key median sold, yr/yr

93.1%

Sale-to-list ratio (12 mo)

89 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 12% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →

Paper trail

This home's history

Oct 11, 2026Listed at $624,900 · 1 days on market since
1982Built · FAIRWAY BAY 1

Reality check

What actually sold near 1920 HARBOURSIDE DRIVE UNIT 1003

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

1918 HARBOURSIDE DRIVE UNIT 902Sold · Jul ’26

$1,235,000

1918 HARBOURSIDE DRIVE UNIT 902 · same community

2 bd · 2.5 ba · 1,748 sqft · $707/sqft · 87 DOM

1912 HARBOURSIDE DRIVE UNIT 602Sold · May ’26

$496,500

1912 HARBOURSIDE DRIVE UNIT 602 · same community

2 bd · 2.5 ba · 1,590 sqft · $312/sqft · 186 DOM

1928 HARBOURSIDE DRIVE UNIT 1403Sold · Mar ’26

$635,000

1928 HARBOURSIDE DRIVE UNIT 1403 · same community

2 bd · 2.5 ba · 1,590 sqft · $399/sqft · 327 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 1920 HARBOURSIDE DRIVE UNIT 1003 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1920 HARBOURSIDE DRIVE UNIT 1003 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1920 HARBOURSIDE DRIVE UNIT 1003 FAQs

What would the monthly payment be for 1920 HARBOURSIDE DRIVE UNIT 1003?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,807/mo — principal and interest, estimated property taxes, the $41/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 1920 HARBOURSIDE DRIVE UNIT 1003?+

The association fee works out to $41 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1920 HARBOURSIDE DRIVE UNIT 1003?+

The most recent tax bill on record (2025) was $0. 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 1920 HARBOURSIDE DRIVE UNIT 1003?+

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 $624,900, this home is listed about 28% below the Longboat Key median of $863,900. The market section on this page shows how the area is trending.

Which schools are assigned to 1920 HARBOURSIDE DRIVE UNIT 1003?+

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

Four things that matter here

01Positioned at the premium end

$624,900 runs 12% 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.

03Fresh on the market

Only 1 day on market in a Longboat Key market that averages 125 — if it fits, move quickly.

04Strong assigned schools

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

Listing courtesy of COLDWELL BANKER REALTY · Keith Curcio. MLS #A4706809.

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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