1095 GULF OF MEXICO DRIVE UNIT 303, LONGBOAT KEY, FL, 34228
Active26 days on marketListed Jul 23, 2026MLS #A4699853
About this home
1095 GULF OF MEXICO DRIVE UNIT 303
Experience everything coastal luxury living has to offer in one of Longboat Key's most sought-after waterfront communities. This beautifully updated 2 bedroom, 2 bathroom condominium offers peaceful pond and fountain views, direct access to the pristine Gulf of America beaches, and an unbeatable location just minutes from St. Armands Circle and downtown Sarasota. Inside, engineered flooring flows throughout the open-concept floor plan, creating a seamless blend of comfort and style. The spacious living and dining areas open to a private balcony overlooking the tranquil pond and fountain, providing the perfect setting to enjoy morning coffee or unwind with breathtaking Florida sunsets. The well-appointed kitchen features granite countertops, stainless steel appliances, a breakfast bar, and abundant natural light, making it ideal for both everyday living and entertaining. The generous primary suite offers serene water views, ample closet space, and an en-suite bathroom with dual vanities and a walk-in shower. A spacious guest bedroom and nearby full bath provide privacy and comfort for family and visitors. Experience everything coastal luxury living has to offer in this exceptional Longboat Key residence. Residents enjoy resort-style amenities including an Olympic-sized heated swimming pool and spa overlooking the Gulf of America, private beach access, a fitness center, tennis and pickleball courts, community grills, beautifully landscaped tropical grounds, covered parking, secure building access, and the peace of mind of a 24-hour gated entrance with guard. Cable, internet, water, sewer, trash, and exterior maintenance are all included in the condominium fees, providing exceptional value and effortless ownership. Just minutes from the boutiques and award-winning dining of St. Armands Circle and the cultural attractions of downtown Sarasota, this is Florida waterfront living at its finest.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,503
Sqft
5 ac
Lot size
1981
Year built
One
Levels
$582
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$6,090 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,090/mo
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.
vs edgeAI estimate
−20.3%
$/sqft vs Longboat Key actives
$582 vs $693
Days on market
26 vs 95 typical
Where $582/sqft sits among the 244 Longboat Key actives
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 → $1.4M
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
107 of 244
Longboat Key actives have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 1095 GULF OF MEXICO DRIVE UNIT 303
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$850,000
100 SANDS POINT ROAD UNIT 108
2 bd · 2 ba · 1,492 sqft · $570/sqft · 3 DOM
Sold · Aug ’26$850,000
100 SANDS POINT ROAD UNIT 225
2 bd · 2 ba · 1,492 sqft · $570/sqft · 33 DOM
Sold · Sep ’25$1,400,000
603 LONGBOAT CLUB ROAD UNIT 602N
2 bd · 2 ba · 1,458 sqft · $960/sqft · 336 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 1095 GULF OF MEXICO DRIVE UNIT 303 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1095 GULF OF MEXICO DRIVE UNIT 303 — 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
1095 GULF OF MEXICO DRIVE UNIT 303 FAQs
What would the monthly payment be for 1095 GULF OF MEXICO DRIVE UNIT 303?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,090/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 1095 GULF OF MEXICO DRIVE UNIT 303?+
The most recent tax bill on record (2025) was $10,561. 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 1095 GULF OF MEXICO DRIVE UNIT 303?+
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 $875,000, this home is listed about 8% below the Longboat Key median of $950,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1095 GULF OF MEXICO DRIVE UNIT 303?+
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
$875,000 runs 37% 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.
Keep looking
Similar homes nearby
Listing courtesy of HOUSE MATCH · Abigail Lange. MLS #A4699853.
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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