1260 DOLPHIN BAY WAY UNIT 403, SARASOTA, FL, 34242
Active182 days on marketListed Feb 3, 2026MLS #A4680107
About this home
1260 DOLPHIN BAY WAY UNIT 403
Experience coastal luxury in this beautifully updated 2BR/2BA condo in the gated, waterfront community of Dolphin Bay on Siesta Key. This exceptional 4th floor residence blends modern sophistication with breathtaking Intracoastal Waterway views, creating a serene yet elevated island lifestyle. A charming front porch welcomes you—perfect for relaxing with a favorite beverage while grilling and enjoying city views. Inside, the spacious open-concept floor plan is thoughtfully designed for both comfort and style. Extensive kitchen and bath renovations completed in 2020 showcase contemporary finishes and high-end fixtures throughout. The chef’s kitchen features shaker-style cabinetry, quartz countertops, reverse osmosis system, and a built-in desk area with additional storage—both functional and elegant. The adjoining den, filled with natural light from sliding glass doors, offers a peaceful spot to read or work while taking in tranquil outdoor views. Immaculate hardwood floors flow through the living areas, adding warmth and timeless appeal. The dining room is enhanced by a custom built-in dry bar, ideal for entertaining. Expansive windows and sliding glass doors frame stunning southern views of the Intracoastal Waterway, where boats pass by, dolphins play, and coastal breezes set the mood. The enclosed, tiled lanai extends the living space and provides a perfect setting for gathering with friends and family while enjoying the scenery. The primary suite is a private retreat with its own lanai access, a spacious walk-in closet, and a luxurious en-suite bath featuring a soaking tub and tiled walk-in shower. The guest bedroom offers a private entrance to the front patio, generous storage with two closets (including a walk-in), and direct access to the guest bathroom. Additional features include an interior utility room with cabinetry, a newer hot water heater (2024), newer HVAC system (2018), and washer and dryer (2019)—making this a truly move-in-ready home. Private under-building garage parking and additional storage provide convenience and peace of mind. Dolphin Bay is a pet-friendly community offering resort-style amenities, including a pool & spa, fitness center, clubhouse, three Har-Tru tennis courts, fishing pier, and scenic walking paths. Enjoy an easy stroll or trolley ride to world-famous Siesta Key Beach, renowned for its powdery white sand, Pickleball courts, and laid-back island vibe. Schedule your private showing today and discover the best of Siesta Key living—no hurricane damage from any storms.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,915
Sqft
0 ac
Lot size
1
Garage
1997
Year built
One
Levels
$679
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.
$8,278 /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
$8,278/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
+73.2%
$/sqft vs Sarasota actives
$679 vs $343
Days on market
182 vs 62 typical
Where $679/sqft sits among the 400 Sarasota actives
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 Dolphin Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
Dolphin Bay — neighborhood snapshot
Population
644
Median age
72
Median home value
$718,500
Avg household
2
Households w/ children
11%
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sarasota market
$475K → $495K
Sarasota median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
152 of 400
Sarasota actives have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 167% above the SARASOTA 34242 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 1260 DOLPHIN BAY WAY UNIT 403
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,400,000
915 SEASIDE DRIVE UNIT 604
3 bd · 3 ba · 1,920 sqft · $729/sqft · 453 DOM
Sold · May ’26$1,200,000
915 SEASIDE DRIVE UNIT 310
3 bd · 3 ba · 1,900 sqft · $632/sqft · 20 DOM
Sold · Dec ’25$485,000
1618 POCATELLO STREET
3 bd · 2 ba · 1,586 sqft · $306/sqft · 1 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 1260 DOLPHIN BAY WAY UNIT 403 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1260 DOLPHIN BAY WAY UNIT 403 — 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
1260 DOLPHIN BAY WAY UNIT 403 FAQs
What would the monthly payment be for 1260 DOLPHIN BAY WAY UNIT 403?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,278/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 1260 DOLPHIN BAY WAY UNIT 403?+
The most recent tax bill on record (2025) was $7,394. 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 1260 DOLPHIN BAY WAY UNIT 403?+
The listing reports pets: Breed Restrictions, 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 Sarasota?+
At $1,299,900, this home is listed about 128% above the Sarasota median of $569,945. The market section on this page shows how the area is trending.
Which schools are assigned to 1260 DOLPHIN BAY WAY UNIT 403?+
Phillippi Shores Elementary School (elementary), Brookside Middle School (middle), Sarasota High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,299,900 runs 167% above the SARASOTA 34242 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
182 days on market against a Sarasota median of 62 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Phillippi Shores Elementary School, Brookside Middle School, Sarasota High School — Phillippi Shores Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ANDREWS & ASSOCIATES REALTY · Stacey Andrews. MLS #A4680107.
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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