820 SPANISH DRIVE S UNIT ., LONGBOAT KEY, FL, 34228
Active57 days on marketListed Jun 1, 2026MLS #A4695386
About this home
820 SPANISH DRIVE S UNIT .
Coastal Living at Its Finest in the Spanish Main Yacht Club! Discover your perfect Florida retreat in this beautifully maintained, free-standing 2-bedroom, 2-bathroom villa located on the highly coveted southern end of Longboat Key at 820 Spanish Dr S. Offering 1,390 square feet of bright, open living space, this single-story residence perfectly blends maintenance-free comfort with an active, coastal-resort lifestyle in a premier 55+ community.Step inside to find a spacious layout featuring a generous living area centered around a cozy fireplace, a classic split-bedroom design for optimal privacy, and a wonderful enclosed porch perfect for morning coffee or unwinding after a day in the sun. The property also features a durable concrete tile roof, central A/C, a dedicated utility space, and an open porch area to soak in the Gulf breezes. Please note this is a strictly no-smoking and no-pets property.Available in-season for $6,000 per month turnkey, and off-season for $3,000 per month turnkey. Situated in Manatee County’s renowned Spanish Main Yacht Club, an established and highly desirable waterfront community zoned LBK_R-3MX, residents enjoy unparalleled amenities including a private marina (with boat slips available for a nominal fee), a heated community pool overlooking the active harbor, a lively clubhouse, shuffleboard, and deeded private beach access just steps across the street to the pristine sands of Longboat Key. Located within easy reach of local island dining, area attractions, and the highly-rated Anna Maria Elementary school district, this waterfront gem offers the ultimate island lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,390
Sqft
25.24 ac
Lot size
1971
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$182 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$182/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 SPANISH MAIN YACHT CLUB CONDO
$2 vs $373
Days on market
57 vs 95 typical
Where $2/sqft sits among the 14 homes for sale in SPANISH MAIN YACHT CLUB CONDO
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 → $893K
Longboat Key median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
3 of 14
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 100% below the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 820 SPANISH DRIVE S UNIT .
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$303,000
564 SPANISH DRIVE N · same community
2 bd · 2 ba · 1,393 sqft · $218/sqft · 102 DOM
Sold · Nov ’25$385,000
556 SPANISH DRIVE N · same community
2 bd · 2 ba · 1,393 sqft · $276/sqft · 0 DOM
Sold · Mar ’26$337,500
730 SPANISH DRIVE S UNIT 99 · same community
2 bd · 2 ba · 1,375 sqft · $245/sqft · 282 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 820 SPANISH DRIVE S UNIT . — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 820 SPANISH DRIVE S UNIT . — 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
820 SPANISH DRIVE S UNIT . FAQs
What would the monthly payment be for 820 SPANISH DRIVE S UNIT .?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $182/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 820 SPANISH DRIVE S UNIT .?+
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 $3,000, this home is listed about 100% 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 820 SPANISH DRIVE S UNIT .?+
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
$3,000 is 100% below the LONGBOAT KEY 34228 median of $649,900, and at $2/sqft it sits under the Longboat Key average of $844.
02Trees/Woods & Water views
The trees/woods and water 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.
Keep looking
Similar homes nearby
Listing courtesy of AUM FLORIDA REAL ESTATE LLC · Geoff Scalera. MLS #A4695386.
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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