721 EMERALD HARBOR DRIVE, LONGBOAT KEY, FL, 34228
Active164 days on marketListed Feb 10, 2026MLS #A4681959
About this home
721 EMERALD HARBOR DRIVE
Beautiful lot on one of the most desirable streets on north Longboat Key with a very wide canal that leads directly to Sarasota Bay and the intracoastal waterway. Emerald Harbour is right off Gulf of Mexico Dr . Close to Beautiful Lbk beach, restaurants, and shopping. Build your Florida dream home and enjoy, boating, fishing and the Beach.
Facts & features
The home at a glance
0.34 ac
Lot size
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.
$10,971 /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
$10,971/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.
Where it sits
Inside Dream Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Longboat Key. See the full Longboat Key guide →
Dream Island — neighborhood snapshot
Population
41
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)
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 153% 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 721 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$595,000
5155 GULF OF MEXICO DRIVE UNIT 9
1 bd · 1 ba · 624 sqft · $954/sqft · 41 DOM
Sold · Mar ’26$260,000
707 SAINT JUDES DRIVE S UNIT 3
1 bd · 1 ba · 630 sqft · $413/sqft · 64 DOM
Sold · Apr ’26$395,000
5310 GULF OF MEXICO DRIVE UNIT 18
1 bd · 1 ba · 711 sqft · $556/sqft · 196 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 721 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 721 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
721 EMERALD HARBOR DRIVE FAQs
What would the monthly payment be for 721 EMERALD HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,971/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 721 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 721 EMERALD HARBOR DRIVE?+
The most recent tax bill on record (2024) was $15,056. 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 721 EMERALD HARBOR DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,645,000, this home is listed about 71% 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 721 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
$1,645,000 runs 153% 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.
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 $1,650,000, now $1,645,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DEVELOPERS REALTY LBK, INC · Reid Murphy. MLS #A4681959.
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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