David Ramirez
$379,9002 bd2 ba1,427 sqft$266 /sqft$2,787 /mo all-in ↓

602 SPANISH DRIVE S UNIT 115, LONGBOAT KEY, FL, 34228

Active55 days on marketListed Jun 11, 2026MLS #A4694415

Priced 41% below the LONGBOAT KEY 34228 medianCondominiumSPANISH MAIN YACHT CLUB CONDO

About this home

602 SPANISH DRIVE S UNIT 115

Virtually Staged. Welcome to Spanish Main Yacht Club, one of Longboat Key's most beloved waterfront communities, where 55-plus living unfolds at an easy, unhurried pace between the Gulf of Mexico and Sarasota Bay. Tucked along a quiet street lined with tidy single-story villas and swaying palms, this fully renovated two-bedroom retreat captures the old-Florida charm that makes this island enclave so special, paired with the fresh, move-in-ready updates. Behind the arched front entry and crisp white stucco exterior with its white tile roof, a bright open interior welcomes you, where neutral tile floors run throughout and natural light pours through plantation-shuttered windows. The renovated kitchen is the heart of the home, outfitted with white shaker cabinetry, quartz countertops, a waterfall-edged peninsula, a soft glass-tile backsplash, and crisp white appliances, all opening to a generous living and dining area finished with crown molding and an easy coastal feel. A versatile bonus room wrapped in windows, with a door to the back patio, makes a wonderful sunroom, reading retreat, or home office. Both bedrooms are comfortable and well-appointed, served by two beautifully updated bathrooms, one with a tub and shower framed in subway tile, the other a glass walk-in shower with a mosaic floor and designer fixtures. A covered carport with room for a golf cart, plus interior storage for kayaks and beach gear, adds everyday ease. Brick paver walkways and lush tropical landscaping wrap the home, and the concrete tile roof is just over five years young. Life at Spanish Main is built around the water and the warmth of neighbors. Residents enjoy a heated pool overlooking the basin, a clubhouse, shuffleboard courts, kayak storage and launch, and a deep-water marina with boat slips available for a monthly fee, offering quick access to Sarasota Bay and the Gulf beyond. Best of all is the community's private Gulf beach access, just a short stroll away, along with shaded benches lining the lagoon and a waterfront green where slow mornings and golden evenings by the water become a way of life. Beyond the community, the white sand of Longboat Key's Gulf beaches is moments away, with the boutiques and dining of St. Armands Circle, downtown Sarasota's culture, and the laid-back charm of Anna Maria Island all within easy reach. Come experience the rare blend of comfort, community, and coastal beauty that makes this villa a place to call home. **THIS PROPERTY QUALIFIES FOR A 1% LENDER INCENTIVE IF USING PREFERRED LENDER. INQUIRE FOR MORE DETAILS.**

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,427

Sqft

1969

Year built

One

Levels

$266

Per sqft

Trees/Woods view55+ communityPets allowed

Inside

FlooringTile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Open Floorplan · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesNorthwest
ExteriorLighting · Private Mailbox · Rain Gutters

Community & fees

Taxes (2025)$2,667/yr
PetsNumber Limit, Size Limit, Yes
CommunityBay/Harbor Front · Boat Slip · Dock · Marina · Water Access · Waterfront · Buyer Approval Required · Clubhouse · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Public · 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.

$2,787 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,236
FHA mortgage insurance (est.)$168
Property tax — 2025 actual bill$222
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,297Loan30-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% · $13,297
Interest rate6.00%
Loan term

Estimated payment

$2,787/mo

Principal & interest$2,236
FHA mortgage insurance (est.)$168
Property taxes (actual bill)$222
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.

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 $380K
$365KedgeAI estimate $641,565 · range $523K$834K$867K

vs edgeAI estimate

−40.8%

$/sqft vs SPANISH MAIN YACHT CLUB CONDO

$266 vs $402

Days on market

55 vs 95 typical

Where $266/sqft sits among the 12 homes for sale in SPANISH MAIN YACHT CLUB CONDO

5 · this home
5
1
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 602 SPANISH DRIVE S UNIT 115

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 marketBalanced5.8 months of inventoryBuyer’s market

$820K$1.1M

Longboat Key median sold, yr/yr

93.1%

Sale-to-list ratio (12 mo)

3 of 12

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 41% below the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →

Paper trail

This home's history

Jun 11, 2026Listed at $379,900 · 55 days on market since
1969Built · SPANISH MAIN YACHT CLUB CONDO

Reality check

What actually sold near 602 SPANISH DRIVE S UNIT 115

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 602 SPANISH DRIVE S UNIT 115 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 602 SPANISH DRIVE S UNIT 115 — 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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Straight answers

602 SPANISH DRIVE S UNIT 115 FAQs

What would the monthly payment be for 602 SPANISH DRIVE S UNIT 115?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,787/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 602 SPANISH DRIVE S UNIT 115?+

The most recent tax bill on record (2025) was $2,667. 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 602 SPANISH DRIVE S UNIT 115?+

The listing reports pets: Number Limit, Size Limit, 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 $379,900, this home is listed about 60% below the Longboat Key median of $949,450. The market section on this page shows how the area is trending.

Which schools are assigned to 602 SPANISH DRIVE S UNIT 115?+

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

01Under the LONGBOAT KEY 34228 market on paper

$379,900 is 41% below the LONGBOAT KEY 34228 median of $649,000, and at $266/sqft it sits under the Longboat Key average of $845.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

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 KW COASTAL LIVING III · Toni Zarghami. MLS #A4694415.

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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