1085 GULF OF MEXICO DRIVE UNIT 404, LONGBOAT KEY, FL, 34228
Active147 days on marketListed Mar 23, 2026MLS #A4686960
About this home
1085 GULF OF MEXICO DRIVE UNIT 404
Coveted Southern exposure offering morning sun with a very tropical feel over looking the Longboat Key Club golf course. With palm trees and beautifully landscaped grounds right outside your windows and privacy on your balcony. Featuring two bedrooms and two bathrooms, this spacious residence is open and airy with a beautifully updated kitchen, bathrooms and impact windows, this is the largest two bedroom available at Beachplace offering 1503 sq. ft. This residence also includes TWO under building parking spaces and one outside parking space that convey with the property. Beachplace offers a very nice fitness center, a guard gated entry, a Junior Olympic sized swimming pool, a splash pool, hot tub, tennis, pickle ball, grilling area and the beach is equipped with lounge chairs and umbrella's. Beachplace offers a Jr. Olympic sized swimming pool with swim lanes, a splash pool, hot tub, fitness center, grilling area, tennis, pickle ball and a 24 hour guard gated entrance. All furnishings are included and this would make a great rental.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,503
Sqft
7.98 ac
Lot size
2
Garage
1981
Year built
One
Levels
$632
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.
$6,099 /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
$6,099/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
−14.3%
$/sqft vs Longboat Key actives
$632 vs $693
Days on market
147 vs 96 typical
Where $632/sqft sits among the 246 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 → $1.4M
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
108 of 246
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 48% 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 1085 GULF OF MEXICO DRIVE UNIT 404
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,300,000
1055 GULF OF MEXICO DRIVE UNIT 305 · same community
2 bd · 2 ba · 1,503 sqft · $865/sqft · 142 DOM
Sold · Apr ’26$725,000
1065 GULF OF MEXICO DRIVE UNIT 603 · same community
2 bd · 2 ba · 1,503 sqft · $482/sqft · 142 DOM
Sold · Aug ’25$1,185,000
1045 GULF OF MEXICO DRIVE UNIT 403 · same community
2 bd · 2 ba · 1,503 sqft · $788/sqft · 373 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 1085 GULF OF MEXICO DRIVE UNIT 404 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1085 GULF OF MEXICO DRIVE UNIT 404 — 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
1085 GULF OF MEXICO DRIVE UNIT 404 FAQs
What would the monthly payment be for 1085 GULF OF MEXICO DRIVE UNIT 404?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,099/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 1085 GULF OF MEXICO DRIVE UNIT 404?+
The most recent tax bill on record (2025) was $5,482. 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 1085 GULF OF MEXICO DRIVE UNIT 404?+
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 $950,000, this home is priced right at the Longboat Key median.
Which schools are assigned to 1085 GULF OF MEXICO DRIVE UNIT 404?+
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
Three things that matter here
01Positioned at the premium end
$950,000 runs 48% 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
Booker High School, Southside Elementary School, Booker Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Maggie Hicks. MLS #A4686960.
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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