David Ramirez
$699,000$750,0002 bd2.5 ba1,350 sqft$518 /sqft$4,567 /mo all-in ↓

490 N SHORE ROAD UNIT 6, LONGBOAT KEY, FL, 34228

Active379 days on marketListed Jul 17, 2025MLS #A4657668

Reduced $51KWaterfrontFully furnishedCondominiumNORTHGATE OF LONGBOAT KEY

About this home

490 N SHORE ROAD UNIT 6

This rare offering is all about the one-of-a-kind BREATHTAKING VIEWS overlooking multiple waterways across Greer island, towards the Intracoastal and out to the gorgeous Gulf of Mexico sunsets! Situated on the quiet north end of Longboat Key in a boutique waterfront, building containing only 9 townhouse style residences: this is island living at its best! It features two bedrooms and 2 and a half baths plus a bonus ground floor air conditioned room and a workshop. Take the steps up to your first living level and enjoy a galley kitchen open to the large great room with sliders to one of 2 outdoor balconies above the ground level, poolside covered porch. On this level is also a half bath. Take the steps up to the second level and the views become even more astounding through the sliders from the Primary ensuite bedroom! Here you will also find the 2nd bedroom and the second bath. Besides the sparkling waterside pool, this small and friendly community has 3 small docks available that allow for easy water access with your kayak, paddleboard or small boat. And don’t forget it has its own clay tennis court as well. One of the nicest and widest beaches on Longboat Key is located just down the street and it wraps all the way around Greer island where you can stand and admire your condo across the waterway from your walk! Multiple restaurants and shopping destinations are within a bike ride or short walk away and the cultural epicenter of downtown Sarasota and Bradenton are just off island when you choose to leave. This may well be the laid-back island life style you are searching for.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,350

Sqft

0 ac

Lot size

1978

Year built

Two

Levels

$518

Per sqft

WaterfrontTennis Court & Water viewFurnished

Inside

FlooringParquet · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Walk-In Closet(s) · Window Treatments
LaundryIn Kitchen
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofConcrete
ConstructionConcrete · Stucco
FoundationSlab
ViewTennis Court · Water
FacesSouthwest
ParkingCovered · Ground Level · Workshop in Garage
ExteriorBalcony · Irrigation System · Lighting · Outdoor Shower · Sliding Doors · Storage · Tennis Court(s)

Community & fees

Taxes (2024)$4,481/yr
PetsNo
CommunityBay/Harbor Front · Dock · Gulf/Ocean Front · Intracoastal Waterway · Water Access · Waterfront · Deed Restrictions · No Truck/RV/Motorcycle Parking · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,567 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property tax — 2024 actual bill$373
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,900Loan30-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% · $69,900
Interest rate6.00%
Loan term

Estimated payment

$4,567/mo

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property taxes (actual bill)$373
Est. insurance$160

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.

List $699K
$537KedgeAI estimate $629,210 · range $560K$711K$739K

vs edgeAI estimate

+11.1%

$/sqft vs Longboat Key actives

$518 vs $705

Days on market

379 vs 95 typical

Where $518/sqft sits among the 270 Longboat Key actives

118 · this home
69
42
16
9
16
$351–639$639–928$928–1217$1217–1506$1506–1795$1795+

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 Long Beach

Map of 490 N SHORE ROAD UNIT 6 inside its neighborhood boundary

Drive times from this address

Downtown Tampa74 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Longboat Key. See the full Longboat Key guide →

Long Beach — neighborhood snapshot

Population

510

Median age

68

Median income

$137,083

Median home value

$892,600

Avg household

2

Households w/ children

3%

For the school run

Manatee County School District

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighBayshore High School★★★★

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

The numbers that matter

The Longboat Key market

Seller’s marketLeans buyer8.2 months of inventoryBuyer’s market

$820K$893K

Longboat Key median sold, yr/yr

92.8%

Sale-to-list ratio (12 mo)

116 of 270

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 8% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →

Paper trail

This home's history

CurrentPrice reduced to $699,000 $51K
Jul 17, 2025Listed at $750,000 · 379 days on market since
1978Built · NORTHGATE OF LONGBOAT KEY

Reality check

What actually sold near 490 N SHORE ROAD UNIT 6

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

730 FOX STREETSold · Nov ’25

$684,500

730 FOX STREET

3 bd · 3 ba · 1,350 sqft · $507/sqft · 0 DOM

6801 LONGBOAT DRIVE SSold · Apr ’26

$1,072,500

6801 LONGBOAT DRIVE S

2 bd · 2 ba · 1,328 sqft · $808/sqft · 3 DOM

6841 LONGBOAT DRIVE SSold · Apr ’26

$900,000

6841 LONGBOAT DRIVE S

2 bd · 2 ba · 1,380 sqft · $652/sqft · 97 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 490 N SHORE ROAD UNIT 6 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 490 N SHORE ROAD UNIT 6 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

490 N SHORE ROAD UNIT 6 FAQs

What would the monthly payment be for 490 N SHORE ROAD UNIT 6?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,567/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 490 N SHORE ROAD UNIT 6?+

The most recent tax bill on record (2024) was $4,481. 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 490 N SHORE ROAD UNIT 6?+

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 $699,000, this home is listed about 27% below the Longboat Key median of $960,000. The market section on this page shows how the area is trending.

Which schools are assigned to 490 N SHORE ROAD UNIT 6?+

Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four 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.

02Time on market is leverage

379 days on market against a Longboat Key median of 95 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Anna Maria Elementary School, Martha B. King Middle School, Bayshore High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $750,000, now $699,000 — a $51K cut. The full history is in the market section below.

Listing courtesy of MICHAEL SAUNDERS & COMPANY · Jodene Moneuse, Pa. MLS #A4657668.

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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