546 SPANISH DRIVE S, LONGBOAT KEY, FL, 34228
Active10 days on marketListed Oct 2, 2026MLS #A4708263
About this home
546 SPANISH DRIVE S
BACK AND BETTER THAN EVER! This completely renovated, turnkey furnished 2BR/2BA villa in the coveted 55+ Spanish Main Yacht Club returns to market with a NEW ROOF and NEW HVAC, both with transferable warranties. A prior appraisal documents 1,393 SF of above grade living space, offering more room than previously reflected in the MLS. The home also features impact windows and doors, adding peace of mind and year round durability as well as a full house water filtration system. Step outside to your spacious private patio—perfect for grilling, relaxing, and enjoying the coastal breeze. From there, take a short stroll across the road to your deeded Gulf beach access, or walk just a few steps to the deep water marina and head out on your boat for a sunset cruise. Boat slips are convenient and affordable, making every day boating a reality. Residents enjoy a heated waterfront pool and a vibrant, active community—ideal for seasonal snowbirds seeking a winter retreat or those who prefer the ease of year round coastal living. Guest parking is conveniently located behind the villa and at the marina. EXTRA BONUS: A seasonal tenant is in place January–April, offering an attractive opportunity to offset carrying costs. Inquire for details and plan your visit—this one is easy to love!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,393
Sqft
25.24 ac
Lot size
1966
Year built
One
Levels
$380
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.
$3,722 /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
$3,722/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
−15.4%
$/sqft vs SPANISH MAIN YACHT CLUB CONDO
$380 vs $389
Days on market
10 vs 125 typical
Where $380/sqft sits among the 10 homes for sale in SPANISH MAIN YACHT CLUB CONDO
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 → $948K
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
1 of 10
SPANISH MAIN YACHT CLUB CONDO have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% 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 546 SPANISH DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$303,000
564 SPANISH DRIVE N · same community
2 bd · 2 ba · 1,393 sqft · $218/sqft · 102 DOM
Sold · Nov ’25$385,000
556 SPANISH DRIVE N · same community
2 bd · 2 ba · 1,393 sqft · $276/sqft · 0 DOM
Sold · Apr ’26$358,300
805 SPANISH DRIVE N · same community
3 bd · 2 ba · 1,405 sqft · $255/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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 546 SPANISH DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 546 SPANISH DRIVE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
546 SPANISH DRIVE S FAQs
What would the monthly payment be for 546 SPANISH DRIVE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,722/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 546 SPANISH DRIVE S?+
The most recent tax bill on record (2025) was $2,488. 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 546 SPANISH DRIVE S?+
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 $529,990, this home is listed about 39% 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 546 SPANISH DRIVE S?+
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.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Jackie Griese. MLS #A4708263.
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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