5970 EMERALD HARBOR DRIVE, LONGBOAT KEY, FL, 34228
Active158 days on marketListed Feb 16, 2026MLS #A4681905
About this home
5970 EMERALD HARBOR DRIVE
Set at the peaceful end of a wide, deep canal on the north end of Longboat Key, this waterfront residence in Emerald Harbor offers a rare combination of space, privacy and effortless boating access. With long views straight down the canal and quick entry to Sarasota Bay, the setting feels calm, open and ideally positioned for life on the water. A circular paver brick drive framed by meticulously maintained landscaping leads to the front entrance, where a barrel tile roof and timeless exterior details create a welcoming first impression. Inside, 3,098+/- sq. ft. of thoughtfully planned living space unfolds in soft neutral tones, complemented by abundant natural light, large tile flooring, crown molding and expansive windows throughout the main living areas. The living room is designed for seamless indoor-outdoor living, featuring a full wall of pocket sliders that open completely to a covered sitting area accented by a pecky cypress ceiling. From here, the view extends across the pool, private dock and calm canal beyond, creating a natural backdrop for both entertaining and everyday enjoyment. The kitchen anchors the home with ease and functionality, offering a center island with breakfast bar, wood cabinetry, stone countertops, stainless steel appliances, tile backsplash and pendant lighting. Its placement allows the home to flow comfortably for gatherings or quiet evenings alike. The floor plan offers exceptional flexibility, with two generously sized suites. The main primary suite features a tray ceiling, a large custom walk-in closet and a beautifully updated bath with dual vanities, glass-enclosed shower and convenient access to the outdoor living area. A second suite includes its own custom walk-in closet and en suite bath, making it ideal for guests or extended family. Two additional bedrooms and a study overlooking the water complete the layout, along with three and a half total baths. Outdoors, the setting feels private yet expansive, with a sparkling pool and a private dock equipped with a boat lift. The canal offers excellent boating water with no-bridge access to the Intracoastal Waterway, Sarasota Bay and the Gulf. Emerald Harbor is a bayside enclave of just 82 homes, known for its broad lagoon-style canals and deeded private beach access located one block away.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,098
Sqft
0.36 ac
Lot size
2
Garage
1977
Year built
One
Levels
$902
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.
$17,429 /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
$17,429/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
+31.1%
$/sqft vs Longboat Key actives
$902 vs $693
Days on market
158 vs 95 typical
Where $902/sqft sits among the 275 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 Emerald Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Longboat Key. See the full Longboat Key guide →
Emerald Harbor — neighborhood snapshot
Population
418
Median age
70
Median income
$117,267
Median home value
$652,300
Avg household
2
For the school run
Manatee 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)
113 of 275
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 330% 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 5970 EMERALD HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$1,750,000
6011 EMERALD HARBOR DRIVE · same community
3 bd · 2 ba · 1,929 sqft · $907/sqft · 0 DOM
Sold · May ’26$5,250,000
4955 GULF OF MEXICO DRIVE UNIT 101
3 bd · 3.5 ba · 3,122 sqft · $1,682/sqft · 27 DOM
Sold · Jun ’26$3,664,311
581 HIBISCUS WAY
4 bd · 4.5 ba · 3,235 sqft · $1,133/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 5970 EMERALD HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5970 EMERALD HARBOR DRIVE — 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
5970 EMERALD HARBOR DRIVE FAQs
What would the monthly payment be for 5970 EMERALD HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $17,429/mo — principal and interest, the actual property-tax bill, the $63/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 5970 EMERALD HARBOR DRIVE?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5970 EMERALD HARBOR DRIVE?+
The most recent tax bill on record (2024) was $12,915. 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 5970 EMERALD HARBOR DRIVE?+
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 $2,795,000, this home is listed about 191% above the Longboat Key median of $960,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5970 EMERALD HARBOR DRIVE?+
Bayshore High School (high), Martha B. King Middle School (middle), Anna Maria Elementary School (elementary) — Manatee 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
$2,795,000 runs 330% above the LONGBOAT KEY 34228 median — but at 3,098 sqft it's also nearly twice the size of 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
Bayshore High School, Martha B. King Middle School, Anna Maria Elementary School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $2,895,000, now $2,795,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Bruce Myer. MLS #A4681905.
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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