David Ramirez
Pending
$485,000$525,000$3,777 /mo all-in ↓

450 FIREHOUSE COURT, LONGBOAT KEY, FL, 34228

Pending98 days on marketListed Apr 30, 2026MLS #A4691704

Priced 23% below the LONGBOAT KEY 34228 medianReduced $40KLONGBEACH ON LONGBOAT KEY

About this home

450 FIREHOUSE COURT

Here it is! The perfect vacant lot on Longboat Key you've been waiting to build your dreamy beach getaway on! And at a price that beats any other lot here.....Mere steps from the famous Broadway beach that stretches all the way around beer can island. Located on the beach side of Gulf of Mexico drive on the sought after north end of Longboat Key, this is the epitomy of island living. A short walk, bike or golf cart ride across Gulf of Mexico brings you to multiple restaurants, shopping, the community dock with a boat ramp, two work out facilities, the liquor store.....what more do you need? And if you said, I need house plans, the current owner already has some you may be interested in OR put your ideas to work and build your own. This won't last. If this interests you, you need to check it out quickly!

Facts & features

The home at a glance

0.14 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$6,566/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Sewer Available · Water Available
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.

$3,777 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,855
FHA mortgage insurance (est.)$215
Property tax — 2025 actual bill$547
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,975Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $16,975
Interest rate6.00%
Loan term

Estimated payment

$3,777/mo

Principal & interest$2,855
FHA mortgage insurance (est.)$215
Property taxes (actual bill)$547
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

Where it sits

Inside Long Beach

Map of 450 FIREHOUSE COURT inside its neighborhood boundary

Drive times from this address

Downtown Tampa74 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Longboat Key. See the full Longboat Key guide →

Long Beach — neighborhood snapshot

Population

510

Median age

68

Median income

$137,083

Median home value

$892,600

Avg household

2

Households w/ children

3%

For the school run

Manatee County School District

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighBayshore High School★★★★

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

The numbers that matter

The Longboat Key market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$820K$1.1M

Longboat Key median sold, yr/yr

93.1%

Sale-to-list ratio (12 mo)

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

This home is listed 23% below the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →

Paper trail

This home's history

CurrentPrice reduced to $485,000 $40K
Apr 30, 2026Listed at $525,000 · 98 days on market since

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 450 FIREHOUSE COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 450 FIREHOUSE COURT — 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.

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Goes straight to David’s phone and CRM.

Straight answers

450 FIREHOUSE COURT FAQs

What would the monthly payment be for 450 FIREHOUSE COURT?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,777/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 450 FIREHOUSE COURT?+

The most recent tax bill on record (2025) was $6,566. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Longboat Key?+

At $485,000, this home is listed about 49% 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 450 FIREHOUSE COURT?+

Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the LONGBOAT KEY 34228 market on paper

$485,000 is 23% below the LONGBOAT KEY 34228 median of $629,000.

02Strong assigned schools

Anna Maria Elementary School, Martha B. King Middle School, Bayshore High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $525,000, now $485,000 — a $40K cut. The full history is in the market section below.

Listing courtesy of MICHAEL SAUNDERS & COMPANY · Jodene Moneuse, Pa. MLS #A4691704.

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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