
909 SPANISH DRIVE N, LONGBOAT KEY, FL, 34228
Active145 days on marketListed Mar 12, 2026MLS #A4684728
About this home
909 SPANISH DRIVE N
One or more photo(s) has been virtually staged. Some photos virttually staged. SELLER FINANCING AVAILABLE This gorgeous two-bedroom, two-bath Spanish Main standalone villa is a must-see! The fully complete custom remodel has been beautifully and tastefully appointed with meticulous craftsmanship. So many upgrades. Starting with the neutral tile plank flooring that runs throughout the villa, providing a seamless flow from room to room. The kitchen is a chef's dream. All wood 42-inch cabinets complete the kitchen with tons of storage, slow-close drawers, under-counter sink. Friends and family will love the oversized kitchen with all your new appliances and served on the large quartz counter/island that will easily seat seven barstools. The open floor plan allows for easy social gatherings. The primary bedroom has an en-suite bath with a spacious shower with custom glass frameless shower doors. Double sinks are topped off with beautiful lighting. The walk-in closet provides plenty of storage and is complete with sensor lighting. New double heavy wood and glass doors separate the primary bedroom from the spacious lanai. The lanai is the place to sit and enjoy the view of the lush wetlands that provide privacy and a sense of tropical retreat in your backyard. The expansive lanai can be used as a flex room, such as a dining area, office, reading room, a third sleeping place or workout area. Roof new in 2019 plus all hurricane windows and doors. Go out the hurricane-grade sliders to see the view of the Bay waters and smell the sea air. The Bay view from the lanai and backyard is lovely and definitely an added bonus that adds even more beauty to your backyard paradise. Feel secure with motion sensor lights at back of the home. Electric blinds on the windows provide ease of privacy and light control. A retractable awning will allow you to enjoy your oversized brick paver patio without the warm Florida sun being an issue. Extra outdoor PVC storage room. This vibrant 55-plus community of Spanish Main Yacht Club neighborhood is full of wonderful neighbors, and lots of amenities, shuffleboards, swimming pool, private deeded beach access to the gorgeous Longboat Key beaches and warm Gulf waters. Fishing, boating, cycling and more. Close to St. Armands Circle and downtown Sarasota makes this location ideal for shopping, dining, theater, botanical gardens, airport and more. All 212 units in Spanish Main Yacht Club are under FEMA regulations, guidelines and stringent adherence to rebuild specifications. New owners will receive any balance of insurance funds that are allotted to this villa. Call for details. All FEMA regulations completed, including inspections. Ready to enjoy your piece of paradise. Can be under 55 to purchase. With 1,300 square feet under air since lanai was closed in.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,300
Sqft
0 ac
Lot size
1969
Year built
One
Levels
$500
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.
$4,337 /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
$4,337/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
+41.1%
$/sqft vs Longboat Key actives
$500 vs $693
Days on market
145 vs 95 typical
Where $500/sqft sits among the 261 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 Longboat Key
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Longboat Key market
$820K → $882K
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
113 of 261
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 2% 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 909 SPANISH DRIVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$850,000
5393 GULF OF MEXICO DRIVE UNIT 211
2 bd · 2 ba · 1,300 sqft · $654/sqft · 31 DOM
Sold · Feb ’26$575,000
755 SAINT JUDES DRIVE N
2 bd · 1.5 ba · 1,294 sqft · $444/sqft · 141 DOM
Sold · Dec ’25$700,000
4900 GULF OF MEXICO DRIVE UNIT 204
2 bd · 2 ba · 1,312 sqft · $534/sqft · 0 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 909 SPANISH DRIVE N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 909 SPANISH DRIVE N — 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
909 SPANISH DRIVE N FAQs
What would the monthly payment be for 909 SPANISH DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,337/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 909 SPANISH DRIVE N?+
The most recent tax bill on record (2024) was $5,107. 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 909 SPANISH DRIVE N?+
The listing reports pets: Dogs OK, Size Limit. 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 $650,000, this home is listed about 32% below the Longboat Key median of $949,900. The market section on this page shows how the area is trending.
Which schools are assigned to 909 SPANISH DRIVE N?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Kimberly Freiwald. MLS #A4684728.
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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