David Ramirez
$949,000$974,5002 bd2 ba1,409 sqft$674 /sqft$7,974 /mo all-in ↓

1000 LONGBOAT CLUB ROAD UNIT 403, LONGBOAT KEY, FL, 34228

Active192 days on marketListed Feb 2, 2026MLS #A4680791

Reduced $26KWaterfrontPrivate poolCondominiumPRIVATEER SOUTH

About this home

1000 LONGBOAT CLUB ROAD UNIT 403

Experience refined coastal living behind the gates of the Longboat Key Club at Privateer South — a serene waterfront retreat where the Gulf sets the rhythm of each day. This exclusive Longboat Key enclave blends timeless Old Florida charm with resort-style amenities. Residents enjoy access to the Longboat Key Club’s championship golf, tennis, deep-water marina, fine dining, and private beach club, while Privateer South offers intimate beachfront living in a 12-story tower at 1000 Longboat Club Road. This fourth-floor corner residence is a fully renovated two-bedroom, two-bath home that captures the essence of coastal elegance. Floor-to-ceiling windows and sliding glass doors open to wraparound balconies with eastern, southern, and partial Gulf views. Begin your mornings with sunrise over Sarasota Bay and the Intracoastal Waterway, as soft hues of pink and gold fill the open living and dining spaces. By afternoon, enjoy sweeping southern views of powder-white sand and turquoise Gulf waters, accompanied by the gentle sound of waves. The interior renovation reflects modern sophistication and comfort. A sleek galley kitchen with quartz countertops, stainless steel appliances, and custom cabinetry flows seamlessly into the bright living-dining area. Neutral tones, shiplap accents, and high-end finishes create an inviting, light-filled space ideal for entertaining or relaxing. The primary suite features desirable southern exposure and a refreshed en-suite bath with dual vanities and a walk-in shower. The second bedroom offers flexibility as a guest room, office, or private retreat, with the guest bath refreshed as well, in a clean, contemporary style. Daily living feels effortlessly indulgent. From the lobby, take the elevator to the heated Gulf-front pool and spa, complete with lounge seating overlooking the shoreline. Manicured pathways lead to private beach access, where dunes, complimentary chairs and umbrellas, and uncrowded sands create the perfect setting for sunset walks and frequent dolphin and pelican sightings. Residents also enjoy beachside grilling, on-site tennis, and the simple pleasures of Gulf coastal living. Gated security, covered parking, and the low-density South tower — with approximately 62 residences — provide both privacy and a welcoming community atmosphere shared by seasonal and full-time residents alike. Evenings on the balcony are unforgettable, with brilliant sunsets fading into star-filled skies over the Gulf. Inside, the open layout invites relaxed dinners, quiet reading, and peaceful nights accompanied by the sound of the water. This beautifully renovated corner residence offers the perfect balance of comfort, elegance, and breathtaking scenery in one of Florida’s most sought-after barrier island communities.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,409

Sqft

1.92 ac

Lot size

1972

Year built

One

Levels

$674

Per sqft

Private poolWaterfront

Inside

FlooringCarpet · Ceramic Tile
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Range · Range Hood · Water Filtration System
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryCommon Area · Corridor Access · Inside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane
ConstructionBlock
FoundationPillar/Post/Pier · Slab
FacesEast
ExteriorBalcony · Outdoor Grill · Outdoor Shower · Private Entrance · Sidewalk · Storage · Tennis Court(s)

Community & fees

HOA fee$1,531/mo
Taxes (2025)$9,673/yr
PetsNo
CommunityBuyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - No Guard · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

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

$7,974 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,121
PMI (est., until 20% equity)$356
Property tax — 2025 actual bill$806
Condo fee — from the listing$1,531
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $94,900Loan30-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% · $94,900
Interest rate6.00%
Loan term

Estimated payment

$7,974/mo

Principal & interest$5,121
PMI (est., until 20% equity)$356
Property taxes (actual bill)$806
HOA / condo fee$1,531
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 $949K
$752KedgeAI estimate $818,264 · range $783K$907K$987K

vs edgeAI estimate

+16%

$/sqft vs Longboat Key actives

$674 vs $705

Days on market

192 vs 95 typical

Where $674/sqft sits among the 245 Longboat Key actives

111
60 · this home
37
13
9
15
$369–656$656–943$943–1230$1230–1517$1517–1805$1805+

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

Map of 1000 LONGBOAT CLUB ROAD UNIT 403

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

HighBooker High School★★★★★
ElementarySouthside Elementary School★★★★★
MiddleBooker Middle School★★★★

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

The numbers that matter

The Longboat Key market

Seller’s marketBalanced5.6 months of inventoryBuyer’s market

$820K$1.4M

Longboat Key median sold, yr/yr

93.1%

Sale-to-list ratio (12 mo)

105 of 245

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 50% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →

Paper trail

This home's history

CurrentPrice reduced to $949,000 $26K
Feb 2, 2026Listed at $974,500 · 192 days on market since
1972Built · PRIVATEER SOUTH

Reality check

What actually sold near 1000 LONGBOAT CLUB ROAD UNIT 403

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

1000 LONGBOAT CLUB ROAD UNIT 1103Sold · Dec ’25

$925,000

1000 LONGBOAT CLUB ROAD UNIT 1103 · same community

2 bd · 2 ba · 1,409 sqft · $656/sqft · 17 DOM

1000 LONGBOAT CLUB ROAD UNIT 402Sold · Apr ’26

$995,000

1000 LONGBOAT CLUB ROAD UNIT 402 · same community

2 bd · 2 ba · 1,290 sqft · $771/sqft · 139 DOM

1000 LONGBOAT CLUB ROAD UNIT 1105Sold · May ’26

$960,000

1000 LONGBOAT CLUB ROAD UNIT 1105 · same community

2 bd · 2 ba · 1,290 sqft · $744/sqft · 281 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 1000 LONGBOAT CLUB ROAD UNIT 403 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1000 LONGBOAT CLUB ROAD 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.

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Straight answers

1000 LONGBOAT CLUB ROAD UNIT 403 FAQs

What would the monthly payment be for 1000 LONGBOAT CLUB ROAD UNIT 403?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,974/mo — principal and interest, the actual property-tax bill, the $1,531/mo association fee 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.

How much are the HOA fees at 1000 LONGBOAT CLUB ROAD UNIT 403?+

The association fee works out to $1,531 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1000 LONGBOAT CLUB ROAD UNIT 403?+

The most recent tax bill on record (2025) was $9,673. 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 1000 LONGBOAT CLUB ROAD UNIT 403?+

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 $949,000, this home is priced right at the Longboat Key median.

Which schools are assigned to 1000 LONGBOAT CLUB ROAD UNIT 403?+

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

Five things that matter here

01Positioned at the premium end

$949,000 runs 50% above the LONGBOAT KEY 34228 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Know the monthly fee

The association fee is $1,531/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

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

05Strong assigned schools

Booker High School, Southside Elementary School, Booker Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER REALTY · Judy Kepecz-Hays. MLS #A4680791.

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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