548 GUNWALE LANE, LONGBOAT KEY, FL, 34228
Active186 days on marketListed Feb 2, 2026MLS #A4680965
Come see it
Upcoming open houses
Sat, Aug 22
1:00 PM – 4:00 PM
Sun, Aug 23
1:00 PM – 4:00 PM
Jeff Weller will be holding this home open Cell: (941) 266-8206
About this home
548 GUNWALE LANE
$100,000 PRICE REDUCTION—NOW OFFERED AT $2,100,000! Exceptional Longboat Key waterfront living just THREE HOMES FROM SARASOTA BAY. This completely renovated 3-bedroom, 2-bath canal-front home offers 1,853 sq. ft. of air-conditioned living space and 2,461 total sq. ft., combining an outstanding boating location with extensive recent improvements. Boaters will appreciate the newer seawall, 16,000-lb boat lift and 18' x 16' Trex dock with lighting and water, offering views toward Sarasota Bay and quick access to open water. Enjoy your private Pebble Tec pool and paver pool deck, both updated in 2024. Major improvements include a NEW FLAT TILE ROOF (2025), Carrier A/C (2024), A.O. Smith water heater, NuCORE waterproof flooring and plantation shutters throughout. The updated kitchen features Silestone quartz countertops, stainless-steel sink, Bosch 3-door refrigerator/freezer and dishwasher, plus stainless-steel GE range and microwave. The spacious living room features vaulted ceilings and recessed lighting, complemented by a separate dining room. The primary suite offers a walk-in closet with built-ins and an ensuite bath with dual sinks, large tiled shower, whirlpool tub and private water closet. A split-bedroom floor plan provides privacy for guests, with walk-in closets and an office area incorporated into the third bedroom. With major renovations completed, a private pool, exceptional boating amenities and a premier location just three homes from Sarasota Bay, 548 Gunwale Lane offers an outstanding opportunity to enjoy the Longboat Key waterfront lifestyle. NOW OFFERED AT $2,100,000!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,853
Sqft
0.28 ac
Lot size
2
Garage
1967
Year built
One
Levels
$1,133
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 and the real association fee — not generic estimates.
$13,113 /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
$13,113/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
+34%
$/sqft vs Longboat Key actives
$1,133 vs $682
Days on market
186 vs 95 typical
Where $1,133/sqft sits among the 255 Longboat Key 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 Country Club Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Longboat Key. See the full Longboat Key guide →
Country Club Shores — neighborhood snapshot
Population
715
Median age
74
Median income
$136,865
Median home value
$1,525,581
Avg household
2
Households w/ children
5%
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 → $1.1M
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
108 of 255
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 234% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 548 GUNWALE LANE
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$1,880,000
575 SANCTUARY DRIVE UNIT A404
3 bd · 3 ba · 1,825 sqft · $1,030/sqft · 4 DOM
Sold · Apr ’26$1,650,000
585 SANCTUARY DRIVE UNIT B502
3 bd · 3 ba · 1,823 sqft · $905/sqft · 52 DOM
Sold · Oct ’25$1,550,000
575 SANCTUARY DRIVE UNIT A302
3 bd · 2.5 ba · 1,823 sqft · $850/sqft · 18 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 548 GUNWALE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 548 GUNWALE LANE — 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
548 GUNWALE LANE FAQs
What would the monthly payment be for 548 GUNWALE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,113/mo — principal and interest, the actual property-tax bill, the $17/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 548 GUNWALE LANE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 548 GUNWALE LANE?+
The most recent tax bill on record (2025) was $9,801. 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 548 GUNWALE LANE?+
The listing reports pets: 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 Longboat Key?+
At $2,100,000, this home is listed about 121% above the Longboat Key median of $949,450. The market section on this page shows how the area is trending.
Which schools are assigned to 548 GUNWALE LANE?+
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
01Positioned at the premium end
$2,100,000 runs 234% above the LONGBOAT KEY 34228 median — but at 1,853 sqft it's also 23% larger than the typical Longboat Key listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 $2,200,000, now $2,100,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · John August. MLS #A4680965.
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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