2295 GULF OF MEXICO DRIVE UNIT 54S, LONGBOAT KEY, FL, 34228
Active173 days on marketListed Feb 27, 2026MLS #A4683112
About this home
2295 GULF OF MEXICO DRIVE UNIT 54S
Welcome to The Islander Club — your turnkey getaway awaits! Step into coastal living with this beautifully updated residence offering effortless style and year-round relaxation. The open, sun-filled layout features tasteful luxury finishes and seamless access to a 38-foot terrace, perfect for unwinding after a day at the beach. Unit 54S has been thoughtfully upgraded throughout, showcasing wood flooring, an updated kitchen with stainless steel appliances, refreshed bathrooms, and unique architectural details that add character and charm. The sunlit primary bedroom includes an ensuite bathroom, a large walk-in closet, and a cozy seating area ideal for reading or enjoying your morning coffee. The spacious second bedroom welcomes guests with terrace access and a generous closet for added storage. Pickleball anyone? The Islander Club's resort-style amenities include a private 400' beachfront setup, a heated pool, a brand-new fitness center, two new sauna rooms, and arriving this fall, two brand new pickleball courts and an improved asphalt tennis court. Having on-site management is key for true lock-and-leave convenience, the management staff is on site Monday-Friday. The Islander Club has recently completed an extensive series of capital improvements that elevate both the structural integrity and the everyday experience of the community. Enhancements include exterior stucco repairs and balcony waterproofing, new roofs on the carports, clubhouse, and both residential towers, and modernized pool facilities with new resurfacing, tile, and equipment. Additional upgrades such as refreshed landscaping and lighting, hurricane-rated windows and doors, further enhance the appeal and long-term value of the property. Whether you’re seeking a seasonal retreat or a full-time coastal home, this move-in-ready gem delivers the best of island living with convenience and peace of mind.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,235
Sqft
5.38 ac
Lot size
1970
Year built
One
Levels
$728
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.
$5,979 /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
$5,979/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
+17.1%
$/sqft vs ISLANDER CLUB OF LONGBOAT
$728 vs $971
Days on market
173 vs 94 typical
Where $728/sqft sits among the 7 homes for sale in ISLANDER CLUB OF LONGBOAT
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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$7,000/mo median
Live Longboat Key rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Island Club
Island Club is a short-term-rental community. See the full 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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Longboat Key market
$820K → $1.4M
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
1 of 7
ISLANDER CLUB OF LONGBOAT have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% 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 2295 GULF OF MEXICO DRIVE UNIT 54S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,400,000
2301 GULF OF MEXICO DRIVE UNIT 52N · same community
2 bd · 2 ba · 1,235 sqft · $1,134/sqft · 149 DOM
Sold · Apr ’26$550,000
2301 GULF OF MEXICO DRIVE UNIT 54N · same community
2 bd · 2 ba · 1,235 sqft · $445/sqft · 140 DOM
Sold · Jan ’26$590,000
2301 GULF OF MEXICO DRIVE UNIT 34N · same community
2 bd · 2 ba · 1,235 sqft · $478/sqft · 13 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 2295 GULF OF MEXICO DRIVE UNIT 54S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2295 GULF OF MEXICO DRIVE UNIT 54S — 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
2295 GULF OF MEXICO DRIVE UNIT 54S FAQs
What would the monthly payment be for 2295 GULF OF MEXICO DRIVE UNIT 54S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,979/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 2295 GULF OF MEXICO DRIVE UNIT 54S?+
The most recent tax bill on record (2025) was $7,576. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 2295 GULF OF MEXICO DRIVE UNIT 54S be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 2295 GULF OF MEXICO DRIVE UNIT 54S?+
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 $899,000, this home is listed about 5% below the Longboat Key median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2295 GULF OF MEXICO DRIVE UNIT 54S?+
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
$899,000 runs 44% above the LONGBOAT KEY 34228 median.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Strong assigned schools
Booker High School, Southside Elementary School, Booker Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $925,000, now $899,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Julie Lojacono Mackie. MLS #A4683112.
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.
Never miss a listing
New Longboat Key homes, in your inbox
Like 2295 GULF OF MEXICO DRIVE UNIT 54S but not quite? A daily digest of every new listing in Longboat Key — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →