$3,995,000
$500K PRICE DROP

520 Harbor Cay Dr Longboat Key, FL 34228

Estimated payment $23,991/month

Total Views 8,788
4 Beds
4.5 Baths
3,828 Sq Ft
$1,044 Price per Sq Ft

Highlights

  • 68 Feet of Bay Harbor Waterfront
  • White Water Ocean Views
  • Assigned Boat Slip
  • Southside Elementary School Rated A
  • Dock has access to electricity and water
  • Access To Intracoastal Waterway

About This Home

This exquisite two-story waterfront home located in the coveted Harbor section of Bay Isles has been meticulously renovated to embody modern elegance and luxurious coastal living. Surrounded by lush tropical landscaping, the home welcomes you through an elegant French door entrance into the grand foyer, where soaring ceilings, gleaming travertine flooring, and a striking wrought iron floating staircase with rich, dark wood steps set the tone for the refined elegance that unfolds throughout the home. The lower level boasts a bright and airy open space with hardwood floors throughout, creating a welcoming atmosphere that effortlessly combines sophistication with the timeless beauty of natural materials. The spacious family room is anchored by a stunning fireplace with decorative columns and an elegant mantel, complemented by French doors leading to the expansive waterfront lanai, reinforcing the home's seamless connection to its stunning natural surroundings. A culinary enthusiast’s dream, the generously sized kitchen features a large island with a waterfall granite countertop, custom cabinetry, ample storage space, and high-end stainless steel appliances, including a six-burner gas range and double ovens. Adjacent to the kitchen, the dining area and great room spaces flow seamlessly into each other. The great room is both grand and inviting, showcasing a dramatic wood-clad cathedral ceiling that adds warmth and character. A second stone fireplace enhances the ambiance, while three sets of French doors that open onto the lanai offer an effortless transition between indoor and outdoor living. Also on this level are two generous guest suites, each with a full bath, one with direct lanai access, and a den with full bath. Upstairs, the primary suite is a true retreat. Floor-to-ceiling windows illuminate the space, and French doors open to a spacious private balcony, offering captivating water views that create a peaceful escape. A cozy fireplace adds to the intimate atmosphere, while the spa-inspired en-suite bath indulges with marble flooring, soaking tub, dual vanities, frameless glass walk-in shower, and water closet, all overlooking the serene waterway. The outdoor living space is equally spectacular, designed for both relaxation and entertaining. The expansive lanai features multiple covered areas with a rich wood-clad ceiling and retractable screens, a sun-drenched open-air section, and a stunning saltwater pool with travertine decking framed by verdant tropical landscaping. Just beyond the pool, a private dock with a boat lift sits on a deep-water basin and wide canal with no bridges to Sarasota Bay, offering quick and direct access for boating enthusiasts. Bay Isles Beach Club membership is included. This extraordinary home seamlessly blends elegance, comfort, and the unparalleled beauty of waterfront living, creating a sanctuary that is as functional as it is breathtaking.

Listing Agent

Steve and Janet Walter

MICHAEL SAUNDERS & COMPANY Brokerage Phone: 941-383-7591 License #3436836 Listed on: 03/13/2025

MICHAEL SAUNDERS & COMPANY

Co-Listing Agent

Janet Walter

MICHAEL SAUNDERS & COMPANY Brokerage Phone: 941-383-7591 License #3018579

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $29,765

Year Built

  • Built in 1986

Lot Details

  • 0.4 Acre Lot
  • 68 Feet of Bay Harbor Waterfront
  • Street terminates at a dead end
  • Northwest Facing Home
  • Mature Landscaping
  • Private Lot
  • Irrigation Equipment
  • Landscaped with Trees
  • Property is zoned PD

HOA Fees

Parking

  • 2 Car Attached Garage
  • Ground Level Parking
  • Garage Door Opener
  • Circular Driveway
  • Off-Street Parking

Property Views

  • White Water Ocean
  • Lagoon
  • Bayou
  • Woods
  • Pool

Home Design

  • Custom Home
  • Florida Architecture
  • Elevated Home
  • Bi-Level Home
  • Stem Wall Foundation
  • Tile Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 3,828 Sq Ft Home
  • Open Floorplan
  • Wet Bar
  • Cathedral Ceiling
  • Ceiling Fan
  • Gas Fireplace
  • Shades
  • Drapes & Rods
  • French Doors
  • Sliding Doors
  • Family Room with Fireplace
  • Great Room
  • Family Room Off Kitchen
  • Living Room with Fireplace
  • Dining Room
  • Inside Utility

Kitchen

  • Eat-In Kitchen
  • Built-In Double Oven
  • Cooktop with Range Hood
  • Microwave
  • Freezer
  • Dishwasher
  • Stone Countertops
  • Solid Wood Cabinet
  • Trash Compactor
  • Disposal

Flooring

  • Wood
  • Marble
  • Ceramic Tile
  • Travertine

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Fireplace in Primary Bedroom
  • Primary Bedroom Upstairs
  • Split Bedroom Floorplan
  • En-Suite Bathroom
  • Walk-In Closet
  • Private Water Closet
  • Soaking Tub
  • Bathtub With Separate Shower Stall
  • Shower Only

Laundry

  • Laundry Room
  • Dryer
  • Washer

Home Security

  • Home Security System
  • Security Lights
  • Security Gate
  • Fire and Smoke Detector

Pool

  • Heated In Ground Pool
  • Pool Deck
  • Pool Tile
  • Pool Lighting

Outdoor Features

  • Access To Intracoastal Waterway
  • Access to Bay or Harbor
  • Access To Bayou
  • Property is near a marina
  • Access to Saltwater Canal
  • Seawall
  • No Wake Zone
  • Boat Lift
  • Assigned Boat Slip
  • Dock has access to electricity and water
  • Open Dock
  • Dock made with Composite Material
  • Balcony
  • Deck
  • Covered Patio or Porch
  • Outdoor Kitchen
  • Exterior Lighting
  • Outdoor Grill
  • Rain Gutters

Location

  • Flood Zone Lot
  • Property is near a golf course

Schools

  • Southside Elementary School
  • Booker Middle School
  • Booker High School

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • Underground Utilities
  • Natural Gas Connected

Listing and Financial Details

Community Details

Overview

  • Association fees include 24-Hour Guard, common area taxes, private road, security
  • Ken Kanderfer Association, Phone Number (941) 921-3221
  • Bay Isles, Advanced Mgmt, Inc. Neil Fleet Association, Phone Number (941) 383-3200
  • Bay Isles Community
  • Bay Isles Subdivision

Security

  • Security Guard
  • Card or Code Access
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$29,765

Year Built

Built in 1986

Lot Details

0

HOA Fees

$518 per month

Parking

2

Listing Details

  • HOA Fee Includes: Guard - 24 Hour, Common Area Taxes, Private Road, Security
  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Architectural Style: Custom, Florida
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 3828
  • Lot Size Acres: 0.4
  • New Construction: No
  • Year Built: 1986
  • Building Area Total: 6095
  • Lot Size Sq Ft: 17535
  • Status: Active
  • Co List Office Mls Id: MFR281502004
  • Co List Office Phone: 941-383-7591
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 566.24
  • Escrow State: FL
  • Minimum Lease: 8-12 Months
  • Number Of Pets: 5
  • RATIO Current Price By Calculate: 1043.63
  • Total Acreage: 1/4 to less than 1/2
  • Water Access YN: 1
  • Property Description: Elevated
  • Amenities Additional Fees: One time Bay Iles HOA Assessment of $3700.00
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: 3 Point Moorage,Dock - Composite,Dock - Open,Dock w/Electric,Dock w/Water Supply,Lift
  • MFR_DockYN: 1
  • MFR_DockMaintenanceFeeFrequency: N/A
  • MFR_CommunityAssociationWaterFeatures: Canal Front,Water Access,Waterfront
  • Attribution Contact: 941-383-7591
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Family Room, Gas, Living Room, Primary Bedroom
  • Living Area Units: Square Feet
  • Flooring: Hardwood, Marble, Travertine
  • Full Bathrooms: 4
  • Half Bathrooms: 1
  • Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Wet Bar, Window Treatments
  • Appliances Included: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Range Hood, Refrigerator, Trash Compactor, Washer
  • Foundation Details: Stem Wall
  • Total Bedrooms: 4
  • Levels: Two
  • Other Equipment: Irrigation Equipment
  • Spa Yn: No
  • Window Features: Drapes, Shades
  • Additional Rooms: Family Room,Great Room,Inside Utility
  • Living Area Meters: 355.63

Exterior Features

  • Direction Faces: Northwest
  • Pool Features: Deck, Heated, In Ground, Lighting, Tile
  • Exterior Features: Balcony, French Doors, Lighting, Outdoor Grill, Outdoor Kitchen, Rain Gutters, Sliding Doors
  • Roof: Tile
  • Pool Private: Yes
  • View: Pool, Trees/Woods, Water
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Deck, Rear Porch, Screened
  • Road Surface Type: Asphalt
  • Water Access: Bay/Harbor,Bayou,Canal - Saltwater,Intracoastal Waterway
  • Water Extras: Assigned Boat Slip,Lift,No Wake Zone,Sailboat Water,Seawall - Concrete
  • Water View: Bay/Harbor - Full,Bayou,Lagoon
  • Water View YN: 1
  • Waterfront Feet Total: 68
  • Flood Zone Panel: 12115C0126G
  • Water Frontage Feet Bay Harbor: 68

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Circular Driveway, Driveway, Garage Door Opener, Ground Level, Off Street

Utilities

  • Utilities: Electricity Connected, Natural Gas Connected, Public, Sewer Connected, Underground Utilities, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Gated Community - Guard, Street Lights
  • Association Fee: 2500
  • Association Fee Frequency: Annually
  • Association Name: Ken Kanderfer
  • Phone: 941-921-3221
  • Association: Yes
  • Security: Gated Community, Key Card Entry, Security Gate, Security Lights, Security System, Smoke Detector(s)
  • Senior Community: No
  • Association #2 Fee: 3720
  • Association #2 Fee Frequency: Annually
  • Association: Bay Isles, Advanced Mgmt, Inc. - Neil Fleet
  • Association Phone #2: 941-383-3200
  • Association 2 YN: 1
  • Association Approval Required YN: 1
  • Pet Restrictions: Refer to HOA Docs for all restrictions
  • Association Fee Requirement: Required
  • Max Pet Weight: 100
  • Association Email: Ken@KFKCPA.com
  • Pet Size: Extra Large (101+ Lbs.)

Fee Information

  • Total Annual Fees: 6220.00
  • Total Monthly Fees: 518.33
  • Monthly HOA Amount: 208.33

Schools

  • Elementary School: Southside Elementary
  • High School: Booker High
  • Middle Or Junior School: Booker Middle

Lot Info

  • Zoning: PD
  • Parcel Number: 0008160010
  • Additional Parcels: No
  • Lot Features: FloodZone, City Limits, Landscaped, Near Golf Course, Near Marina, Private, Street Dead-End, Paved
  • Flood Zone Code: AE

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK, Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Annual rentals allowed. Refer to HOA Docs, Town of Longboat Key and Sarasota County Ordinances.

Tax Info

  • Tax Annual Amount: 29765
  • Tax Book Number: 23-35
  • Tax Lot: 35

Multi Family

  • Waterfront Features: Bay/Harbor
  • Approval Process: Refer to HOA Docs

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $29,765 $2,097,046 -- --
2024 $29,765 $1,906,405 -- --
2023 $28,135 $2,587,700 $1,435,500 $1,152,200
2022 $25,746 $2,322,900 $1,380,000 $942,900
2021 $20,931 $1,559,000 $957,000 $602,000
2020 $18,677 $1,302,100 $691,900 $610,200
2019 $18,906 $1,330,300 $783,700 $546,600
2018 $21,106 $1,482,300 $905,000 $577,300
2017 $22,257 $1,538,400 $905,000 $633,400
2016 $23,397 $1,635,300 $957,000 $678,300
2015 $21,739 $1,497,200 $898,400 $598,800
2014 $19,267 $1,125,700 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/01/2025 10/01/25 Price Changed $3,995,000 -6.0% $1,044 / Sq Ft
07/26/2025 07/26/25 Price Changed $4,250,000 -5.5% $1,110 / Sq Ft
03/13/2025 03/13/25 For Sale $4,495,000 +318.1% $1,174 / Sq Ft
05/01/2012 05/01/12 Sold $1,075,000 0.0% $280 / Sq Ft View Prior Sale
03/01/2012 03/01/12 Pending -- -- --
07/21/2011 07/21/11 For Sale $1,075,000 -- $280 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,075,000 Attorney
Warranty Deed $1,994,700 Attorney
Warranty Deed $1,595,000 --
Quit Claim Deed -- --
Quit Claim Deed -- --
Quit Claim Deed -- --
Warranty Deed $935,000 --
Warranty Deed $680,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $2,200,000 No Value Available
Previous Owner $748,000 No Value Available
Previous Owner $500,000 No Value Available
Source: Public Records

Source: Stellar MLS

MLS Number: A4643565

Stellar MLS

APN: 0008-16-0010