4430 EXETER DRIVE UNIT M108, LONGBOAT KEY, FL, 34228
Active203 days on marketListed Jan 2, 2026MLS #A4676513
About this home
4430 EXETER DRIVE UNIT M108
Stunning Sarasota Bay Views from a Move-In-Ready First-Floor Spacious Corner Unit! Wake up to breathtaking, unobstructed Sarasota Bay vistas in this turnkey first-floor corner residence, designed with upscale Tommy Bahama–inspired flair. This exceptional home blends luxury island living with immediate rental potential, offering panoramic water views from both the primary and guest bedrooms, while the pool lies just steps from your private patio. Elegantly remodeled, the home showcases porcelain tile floors, solid doors, crown molding, granite windowsills, and solar film on rear windows and sliders for added privacy and comfort. The open, light-filled kitchen is a chef’s delight, featuring solid wood cabinetry, granite countertops, stainless steel appliances, and a double oven range. Both bathrooms are thoughtfully updated with cast-iron tubs, granite countertops, and dedicated heat and air vents. Additional highlights include a full-size in-unit washer and dryer, a large water heater, and covered parking space #67 . The residence comes with a long-standing seasonal tenant and a transferable lease. Located in the premier M Building at Longboat Harbour, residents enjoy resort-style amenities including a private gated beach club(4415 Gulf Of Mexico dr ), four heated pools, tennis and pickleball courts, fitness center, kayak storage, and boat docks on first come base- power and sail boats. A new roof is underway with assessment already paid, and no storm damage has occurred. This is a rare opportunity to own a move-in-ready, elegantly upgraded waterfront retreat in one of Sarasota’s most sought-after communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,376
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$472
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.
$4,579 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,579/mo
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.
vs edgeAI estimate
−4.7%
$/sqft vs LONGBOAT HARBOUR
$472 vs $447
Days on market
203 vs 95 typical
Where $472/sqft sits among the 9 homes for sale in LONGBOAT HARBOUR
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 → $893K
Longboat Key median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
5 of 9
LONGBOAT HARBOUR have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 4430 EXETER DRIVE UNIT M108
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$625,000
4440 EXETER DRIVE UNIT 206 · same community
2 bd · 2 ba · 1,376 sqft · $454/sqft · 4 DOM
Sold · Jan ’26$585,000
4320 FALMOUTH DRIVE UNIT 301 · same community
2 bd · 2 ba · 1,316 sqft · $445/sqft · 33 DOM
Sold · Dec ’25$505,000
4400 EXETER DRIVE UNIT J-201 · same community
2 bd · 2 ba · 1,168 sqft · $432/sqft · 244 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4430 EXETER DRIVE UNIT M108 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4430 EXETER DRIVE UNIT M108 — 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.
Straight answers
4430 EXETER DRIVE UNIT M108 FAQs
What would the monthly payment be for 4430 EXETER DRIVE UNIT M108?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,579/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 4430 EXETER DRIVE UNIT M108?+
The most recent tax bill on record (2024) was $8,026. 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 4430 EXETER DRIVE UNIT M108?+
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 $649,900, this home is listed about 32% 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 4430 EXETER DRIVE UNIT M108?+
Booker High School (high), Southside Elementary School (elementary), Booker Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Pool & Water views
The pool and water view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
203 days on market against a Longboat Key median of 95 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Booker High School, Southside Elementary School, Booker Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $674,900, now $649,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Malihe Karimi. MLS #A4676513.
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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