David Ramirez
$14,950,0004 bd5.5 ba5,843 sqft$2,559 /sqft$93,702 /mo all-in ↓

1372 HARBOR DRIVE, SARASOTA, FL, 34239

Active9 days on marketListed Jul 14, 2026MLS #A4699257

WaterfrontPrivate poolSingle Family ResidenceHARBOR ACRES

About this home

1372 HARBOR DRIVE

This immaculate Sarasota Bay front estate is prominently positioned on the point of Harbor Drive. It embodies the pinnacle of luxury waterfront living, where timeless architecture, exceptional craftsmanship, and breathtaking panoramic water views converge in one of Sarasota's most prestigious bayfront neighborhoods. Showcasing hurricane-impact windows and doors throughout, this meticulously maintained residence offers exceptional storm protection, energy efficiency, and peace of mind, further complemented by a one-year-old roof and a whole-house generator. Designed to maximize its extraordinary setting, the home features five outdoor terraces with sweeping views of Sarasota Bay, the Ringling Bridge, downtown Sarasota, Big Pass, and the Gulf of Mexico. Inside, the beautifully renovated interior strikes the perfect balance between elegance and comfort. The chef's kitchen, primary bath, and powder room have been thoughtfully remodeled, while timeless finishes include Italian porcelain tile flooring, five fireplaces, custom millwork, intricate built-ins, designer ceiling treatments, crystal chandeliers, integrated music systems, security cameras, and a comprehensive alarm system. The thoughtfully designed floor plan includes a custom bar, climate-controlled wine storage, a chef's kitchen with walk-in pantry overlooking the family room, a private office, theatre room, and separate primary and guest living levels, all connected by a convenient four-stop elevator. Designed for effortless indoor-outdoor living, the residence offers an exceptional collection of entertaining spaces, including a summer kitchen, multiple outdoor dining areas, a fire pit, open sun deck, infinity-edge pool, and spa—all perfectly positioned to capture Sarasota's spectacular sunsets over the bay. Boating enthusiasts will appreciate the property's unobstructed, deep-water access to Sarasota Bay and the Gulf of Mexico. The private dock is equipped with security sensors, underwater Snook lighting, a 24,000-pound boat lift, an additional 14,000-pound lift, and a 7,000-pound lift currently configured for kayaks or jet skis, providing remarkable flexibility for multiple watercraft. Offering the rare combination of hurricane-impact windows and doors throughout, recent major improvements, resort-inspired outdoor living, deep-water boating access, and an unrivaled Harbor Acres location, this exceptional waterfront estate is just minutes from downtown Sarasota, Southside Village, Siesta Key, and the area's world-renowned Gulf beaches.

Facts & features

The home at a glance

4

Bedrooms

5.5

Bathrooms

5,843

Sqft

0.35 ac

Lot size

3

Garage

2009

Year built

Multi/Split

Levels

$2,559

Per sqft

Private poolWaterfrontFireplaceCity & Pool & Water viewNegotiable

Inside

FlooringCarpet · Marble · Hardwood
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Gas Water Heater · Ice Maker · Refrigerator · Tankless Water Heater · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · PrimaryBedroom Upstairs · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air · Zoned
HeatingCentral · Natural Gas
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab · Stem Wall
ViewCity · Pool · Water
FacesEast
ParkingDriveway · Electric Vehicle Charging Station(s) · Garage Door Opener · On Street
ExteriorFire Pit · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$87,192/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Public · 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.

$93,702 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$80,670
PMI (est., until 20% equity)$5,606
Property tax — 2025 actual bill$7,266
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $1,495,000Loan30-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% · $1,495,000
Interest rate6.00%
Loan term

Estimated payment

$93,702/mo

Principal & interest$80,670
PMI (est., until 20% equity)$5,606
Property taxes (actual bill)$7,266
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.

Where it sits

Inside Harbor Acres

Map of 1372 HARBOR DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa68 min
Tampa Int’l Airport (TPA)75 min

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

Get to know Sarasota. See the full Sarasota guide →

Harbor Acres — neighborhood snapshot

Population

353

Median age

65

Median income

$139,659

Median home value

$1,145,800

Avg household

2

Households w/ children

23%

For the school run

Sarasota County School District

HighSarasota High School★★★★★
ElementarySouthside Elementary School★★★★★
MiddleBrookside Middle School★★★★★

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

The numbers that matter

The Sarasota market

Seller’s marketBalanced6.0 months of inventoryBuyer’s market

$470K$470K

Sarasota median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

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

This home is listed 2200% above the SARASOTA 34239 median. See the full Sarasota market guide →

Paper trail

This home's history

Jul 14, 2026Listed at $14,950,000 · 9 days on market since
2009Built · HARBOR ACRES

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 1372 HARBOR DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1372 HARBOR DRIVE — 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

1372 HARBOR DRIVE FAQs

What would the monthly payment be for 1372 HARBOR DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $93,702/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 1372 HARBOR DRIVE?+

The most recent tax bill on record (2025) was $87,192. 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 Sarasota?+

At $14,950,000, this home is listed about 2523% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1372 HARBOR DRIVE?+

Sarasota High School (high), Southside Elementary School (elementary), Brookside 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

$14,950,000 runs 2200% above the SARASOTA 34239 median — but at 5,843 sqft it's also nearly 3 times the size of the typical Sarasota 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

Sarasota High School, Southside Elementary School, Brookside Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of DOUGLAS ELLIMAN · Kelly Mooney. MLS #A4699257.

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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