3481 BAYOU SOUND, LONGBOAT KEY, FL, 34228
Active133 days on marketListed Mar 24, 2026MLS #A4687106
About this home
3481 BAYOU SOUND
60% OWNER FINANCING AVAILABLE - Step into a private coastal sanctuary at 3481 Bayou Sound, located within one of Longboat Key’s most exclusive gated communities. Accessed through two secured gates and a guarded entrance, this residence offers a level of privacy and security rarely found. Ideally situated just moments from Publix, and within walking distance to the marina, golf course, and premier waterfront dining, the home delivers both convenience and an elevated island lifestyle. Ownership includes access to the Bay Isles Beach Club, offering private beach access on the Gulf of America, along with barbecue areas, tables, and shaded spaces, perfect for effortless, all-day beach enjoyment. Inside, soaring cathedral ceilings create a dramatic, light-filled living space. The home has been thoughtfully upgraded with new flooring throughout, a fully renovated kitchen, and new hurricane impact windows and doors. The remaining front entry and garage doors will be replaced prior to closing, completing a full storm-ready envelope. Outdoors, enjoy true waterfront living with a brand new dock and lift, providing direct access to boating right from your backyard. A rare offering combining privacy, security, and effortless luxury in the heart of Longboat Key.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,391
Sqft
0.23 ac
Lot size
2
Garage
1986
Year built
Three Or More
Levels
$575
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.
$13,297 /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
$13,297/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.
$/sqft vs BAY ISLES
$575 vs $1,081
Days on market
133 vs 95 typical
Where $575/sqft sits among the 7 homes for sale in BAY ISLES
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)
3 of 7
BAY ISLES have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 207% 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 3481 BAYOU SOUND
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$2,295,000
3281 BAYOU SOUND · same community
3 bd · 3.5 ba · 3,407 sqft · $674/sqft · 1 DOM
Sold · Aug ’25$1,825,000
3322 BAYOU ROAD · same community
5 bd · 3 ba · 3,441 sqft · $530/sqft · 111 DOM
Sold · Mar ’26$1,300,000
3361 BAYOU SOUND · same community
3 bd · 3 ba · 3,327 sqft · $391/sqft · 57 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 3481 BAYOU SOUND — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3481 BAYOU SOUND — 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
3481 BAYOU SOUND FAQs
What would the monthly payment be for 3481 BAYOU SOUND?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,297/mo — principal and interest, the actual property-tax bill, the $104/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 3481 BAYOU SOUND?+
The association fee works out to $104 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3481 BAYOU SOUND?+
The most recent tax bill on record (2025) was $21,359. 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 3481 BAYOU SOUND?+
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 $1,950,000, this home is listed about 105% above the Longboat Key median of $949,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3481 BAYOU SOUND?+
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
Four things that matter here
01Positioned at the premium end
$1,950,000 runs 207% above the LONGBOAT KEY 34228 median — but at 3,391 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
Booker High School, Southside Elementary School, Booker Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $2,450,000, now $1,950,000 — a $500K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LUXIO REAL ESTATE LLC · Hugo Gagliardi. MLS #A4687106.
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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