David Ramirez
$750,0002 bd2 ba1,423 sqft$527 /sqft$4,838 /mo all-in ↓

900 SPANISH DRIVE N, LONGBOAT KEY, FL, 34228

Active102 days on marketListed Apr 22, 2026MLS #A4690879

WaterfrontVillaSPANISH MAIN YACHT CLUB CONDO

About this home

900 SPANISH DRIVE N

This must-see hidden gem on the north end of Longboat Key offers a quintessential Florida lifestyle. Waterview’s galore as you walk into your newly completed, renovated Florida paradise home, on a deepwater marina and canal, which epitomizes beauty and style. Boat lovers will want the location of this totally turnkey furnished 1,423-square-foot standalone two-bedroom, two-bath home, with your upgraded composite boat dock just 15 feet behind your villa. Completely remodeled, this home provides contemporary classic design features that create an open airy gorgeous living space. All new stainless appliances in 2026, air-conditioner 2025, roof 2019 and more. The open kitchen design with a large island, new quartz countertops, plenty of beautiful new cabinets with roll-out drawers and a contrasting white and gray classic color scheme. Great counter space makes the kitchen ideal for entertaining and enjoying the coastal casual lifestyle. Beautiful porcelain tile flows throughout the home, providing continuity from room to room. An oversized skylight in the great room with retractable shade provides lots of extra natural brightness. The large primary bedroom is complete with a fully refashioned en-suite bath with gorgeous granite countertops and custom-tiled shower. A spacious walk-in closet provides plenty of room for your coastal style wardrobe. The second bath mimics the maintained class and elegance of this home with granite counters and tiled shower. The lanai has been transformed into extra living space with a cozy study and separate office nook. The study is an ideal spot to curl up with a book or just sit privately and watch the beautiful white pelicans float by with dolphins and manatees alongside. This flexplace can also house extra sleepover guests. The double lanai facing the water allows a panoramic view and full access to your large, elevated brick paver patio and dock from floor-to-ceiling, impact-grade patio doors. Go outside to a private oasis that overlooks the wide-open canal, marina and bay views. Sit, dine, entertain or sunbathe while you enjoy the abundant wildlife from the comfort of your patio paradise, or hop in your boat secured to your 5-by-25-foot dock and head out to one of the many Longboat Key restaurants. Some of the best waters to explore in Sarasota for fishing, sandbar enjoyment, kayaking and swimming right in your backyard. You have direct access to the Intracoastal Waterway and a quick boat ride to the Gulf of Mexico. Impact windows and new hurricane-rated doors throughout. The Spanish Main maintenance-free community has a wonderful neighborhood feel with heated pool, deeded beach access, a 40-foot slip marina with social events galore, making every day feel like a vacation as you lounge in the sun poolside and enjoy the sea The deeded beach access is ideal for those numerous beach days and magnificent sunsets. Pet-friendly, maintenance-free, and an active 55-plus community are added benefits for your enjoyment. Only a short drive to fantastic shops and restaurants, including Anna Maria Island, plus cultural events Sarasota and St. Armands Circle have to offer. This villa has been fully renovated in compliance with FEMA standards due to hurricane flooding in 2024.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,423

Sqft

0 ac

Lot size

1971

Year built

One

Levels

$527

Per sqft

WaterfrontWater view55+ community

Inside

FlooringPorcelain Tile · Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMembrane · Tile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNortheast
ParkingCovered · Driveway · Guest
ExteriorIrrigation System · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$4,203/yr
PetsCats OK, Dogs OK, Number Limit, Size Limit
CommunityBay/Harbor Front · Boat Slip · Canal Front · Dock · Fishing · Intracoastal Waterway · Lake · Marina · Water Access · Waterfront · Buyer Approval Required · Clubhouse · Deed Restrictions · Pool · Special Community Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Well · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,838 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property tax — 2025 actual bill$350
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,000
Interest rate6.00%
Loan term

Estimated payment

$4,838/mo

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property taxes (actual bill)$350
Est. insurance$160

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.

List $750K
$447KedgeAI estimate $508,940 · range $465K$618K$780K

vs edgeAI estimate

+47.4%

$/sqft vs SPANISH MAIN YACHT CLUB CONDO

$527 vs $331

Days on market

102 vs 95 typical

Where $527/sqft sits among the 13 homes for sale in SPANISH MAIN YACHT CLUB CONDO

7
5
0 · this home
0
0
1
$266–365$365–463$463–562$562–660$660–759$759+

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

Map of 900 SPANISH DRIVE N

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

HighBooker High School★★★★★
ElementarySouthside Elementary School★★★★★
MiddleBooker Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Longboat Key market

Seller’s marketLeans buyer8.2 months of inventoryBuyer’s market

$820K$893K

Longboat Key median sold, yr/yr

92.8%

Sale-to-list ratio (12 mo)

3 of 13

SPANISH MAIN YACHT CLUB CONDO have cut their price

Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 16% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →

Paper trail

This home's history

Apr 22, 2026Listed at $750,000 · 102 days on market since
1971Built · SPANISH MAIN YACHT CLUB CONDO

Reality check

What actually sold near 900 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.

594 SPANISH DRIVE SSold · Oct ’25

$253,000

594 SPANISH DRIVE S · same community

2 bd · 2 ba · 1,427 sqft · $177/sqft · 110 DOM

676 EL CENTROSold · Nov ’25

$235,000

676 EL CENTRO · same community

2 bd · 2 ba · 1,427 sqft · $165/sqft · 40 DOM

597 SPANISH DRIVE N UNIT 12Sold · Jul ’26

$300,000

597 SPANISH DRIVE N UNIT 12 · same community

2 bd · 2 ba · 1,429 sqft · $210/sqft · 68 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 900 SPANISH DRIVE N — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 900 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.

Goes straight to David’s phone and CRM.

Straight answers

900 SPANISH DRIVE N FAQs

What would the monthly payment be for 900 SPANISH DRIVE N?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,838/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 900 SPANISH DRIVE N?+

The most recent tax bill on record (2025) was $4,203. 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 900 SPANISH DRIVE N?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $750,000, this home is listed about 22% below the Longboat Key median of $960,000. The market section on this page shows how the area is trending.

Which schools are assigned to 900 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.

The brief

Three things that matter here

01Positioned at the premium end

$750,000 runs 16% 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.

Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Kimberly Freiwald. MLS #A4690879.

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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