David Ramirez
$520,000$740,0001 bd1 ba672 sqft$774 /sqft$3,777 /mo all-in ↓

6020 MIDNIGHT PASS ROAD UNIT 63, SIESTA KEY, FL, 34242

Active295 days on marketListed Oct 3, 2025MLS #A4666030

Reduced $220KWaterfrontFully furnishedVillaALOHA KAI APTS

About this home

6020 MIDNIGHT PASS ROAD UNIT 63

Welcome to Villa 63 at Aloha Kai, a beautifully renovated one-bedroom, one-bath villa located just steps from the world-famous quartz sands of Siesta Key Beach. This coastal retreat has been fully remodeled from top to bottom, offering the perfect combination of comfort, style, and income potential. From the moment you arrive, you’ll notice the fresh exterior with tropical landscaping, paver walkways, and colorful shutters that set the tone for this charming island escape. Inside, the villa opens to a bright and airy living space designed for both relaxation and entertaining. Luxury vinyl plank flooring runs throughout, complementing the crisp coastal color palette. Recessed lighting, plantation shutters, and high-end finishes make the interiors feel modern and inviting. The kitchen has been thoughtfully updated with white cabinetry, sleek counters, and newer appliances, blending functionality with coastal charm. The open-concept layout flows seamlessly into the dining area and spacious living room, where there’s plenty of room for family and friends. The villa comes tastefully furnished with comfortable seating, stylish décor, and thoughtful details that enhance the beachside experience. The bedroom is a tranquil retreat with a king-size bed, ample storage, and calming coastal accents. The bathroom has been fully remodeled with elegant tilework, a modern vanity, and updated fixtures, giving it a spa-like feel. Every inch of this villa has been refreshed to create a truly turnkey property—ideal as a second home, vacation rental, or year-round residence. Step outside to your private patio area, surrounded by lush landscaping and paver walkways, or stroll just a short distance to Aloha Kai’s private, gated access to Siesta Key’s award-winning beach. This community is known for its resort-style amenities, including the island’s largest heated pool, a well-appointed clubhouse, shuffleboard courts, and an on-site rental management program that makes ownership effortless. Villa 63 is not only an inviting personal retreat but also an exceptional rental opportunity. Aloha Kai’s rental program is highly regarded, offering owners the ability to generate strong rental income while still enjoying the property themselves. With its prime location in the heart of Siesta Key, this villa gives you the best of both worlds: a peaceful getaway and a smart investment. Whether you’re drawn by the sugar-white sands, turquoise waters, or vibrant island lifestyle, the villa delivers it all in a fresh, modern package. Don’t miss the opportunity to own a fully remodeled villa in one of Siesta Key’s most established beachfront communities.

Facts & features

The home at a glance

1

Bedrooms

1

Bathrooms

672

Sqft

0 ac

Lot size

1964

Year built

One

Levels

$774

Per sqft

WaterfrontFurnished

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorOpen Floorplan · Thermostat
LaundryCommon Area
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofTile
ConstructionBlock
FoundationSlab
FacesSouth
ParkingGround Level
ExteriorLighting · Sliding Doors

Community & fees

Taxes (2025)$3,905/yr
PetsNo
CommunityBuyer Approval Required · Clubhouse · Deed Restrictions · Gated Community - No Guard · Pool

Utilities & systems

UtilitiesPublic
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.

$3,777 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,061
FHA mortgage insurance (est.)$230
Property tax — 2025 actual bill$325
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,200Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,200
Interest rate6.00%
Loan term

Estimated payment

$3,777/mo

Principal & interest$3,061
FHA mortgage insurance (est.)$230
Property taxes (actual bill)$325
Est. insurance$160

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.

Where it sits

Inside Siesta Key

Map of 6020 MIDNIGHT PASS ROAD UNIT 63

Drive times from this address

Downtown Tampa69 min

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

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

The numbers that matter

The Siesta Key market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$800K$2.7M

Siesta Key median sold, yr/yr

94.0%

Sale-to-list ratio (12 mo)

Median sold price, Siesta Key, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 4% above the SIESTA KEY 34242 median. See the full Siesta Key market guide →

Paper trail

This home's history

CurrentPrice reduced to $520,000 $220K
Oct 3, 2025Listed at $740,000 · 295 days on market since
1964Built · ALOHA KAI APTS

Reality check

What actually sold near 6020 MIDNIGHT PASS ROAD UNIT 63

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

6020 MIDNIGHT PASS ROAD UNIT 42Sold · Jun ’26

$450,000

6020 MIDNIGHT PASS ROAD UNIT 42 · same community

1 bd · 1 ba · 672 sqft · $670/sqft · 216 DOM

1020 SUN N SEA DRIVE UNIT 104BSold · Dec ’25

$659,000

1020 SUN N SEA DRIVE UNIT 104B

2 bd · 2 ba · 752 sqft · $876/sqft · 158 DOM

1610 STICKNEY POINT ROAD UNIT 1610-1Sold · Mar ’26

$297,500

1610 STICKNEY POINT ROAD UNIT 1610-1

1 bd · 1 ba · 576 sqft · $516/sqft · 3 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 6020 MIDNIGHT PASS ROAD UNIT 63 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6020 MIDNIGHT PASS ROAD UNIT 63 — 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

6020 MIDNIGHT PASS ROAD UNIT 63 FAQs

What would the monthly payment be for 6020 MIDNIGHT PASS ROAD UNIT 63?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,777/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 6020 MIDNIGHT PASS ROAD UNIT 63?+

The most recent tax bill on record (2025) was $3,905. 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 6020 MIDNIGHT PASS ROAD UNIT 63?+

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 Siesta Key?+

At $520,000, this home is listed about 71% below the Siesta Key median of $1,795,000. The market section on this page shows how the area is trending.

The brief

Three 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

295 days on market against a Siesta Key median of 84 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $740,000, now $520,000 — a $220K cut. The full history is in the market section below.

Listing courtesy of MICHAEL SAUNDERS & COMPANY · Natalie Gutwein. MLS #A4666030.

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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