David Ramirez
Pending
$1,400,0003 bd3.5 ba2,939 sqft$476 /sqft$9,068 /mo all-in ↓

486 YACHT HARBOR DRIVE, OSPREY, FL, 34229

Pending16 days on marketListed Jul 17, 2026MLS #A4700109

Private poolSingle Family ResidenceSOUTHBAY YACHT & RACQUET CLUB

About this home

486 YACHT HARBOR DRIVE

Welcome to this exceptional Southbay home featuring the rare and highly desirable 3 car garage! From the moment you step inside, you’ll appreciate the elegant finishes, soaring tray and vaulted ceilings with crown molding, and beautiful travertine flooring throughout. The entry opens to the spacious dining area and leads into the oversized Greatroom which flows seamlessly into the chef-inspired kitchen, offering an abundance of cabinetry, generous counter space, a center island, Thermador induction cooktop, two sinks, pull-out drawers, pantry, and a bright dinette highlighted by a stunning aquarium window. Just beyond the kitchen is an impressive butler’s pantry featuring extensive u-shaped cabinetry a second refrigerator, laundry room and a convenient third full bath. The adjacent den is warm and inviting with a fireplace and corner sliding glass hurricane rated doors leading to the lanai and outdoor kitchen. A unique office or craft room with wood-paneled sliding doors can be closed off for privacy or opened to expand the living space. The spacious primary suite offers two walk in closets and lanai access through sliding glass doors, while two additional bedrooms share a well appointed guest bath and privacy pocket door. Just inside from the garage, you’ll find a convenient drop zone and half bath. Major updates include: NEW TRANE A/C INSTALLED 4/25, HURRICANE RATED WINDOWS, AQUARIUM WINDOW WITH ACCORDION STYLE WRAP AROUND HURRICANE SHADE, COVERED LANAI AREA WITH REMOTE CONTROLLED ELECTRONIC HURRICANE METAL SHADE, H/W TANK 2 YEARS OLD, NEW LED POOL LIGHT, NEWER SALTWATER VARIABLE SPEED POOL PUMP (5 YEARS OLD), NEWER LANAI FANS, ROOF 2015/2017, OVERSIZED PAVER DRIVEWAY 2015, RE-PLUMBED 2015, NEW IRRIGATION 2015, ECO WATER SOFTENER & R/O SYSTEM, LEASED WATER FILTRATION SYSTEM. Located in the highly sought-after Southbay Yacht & Racquet Club, residents enjoy an active lifestyle with a private marina offering low dock fees exclusively for Southbay homeowners. Situated on the intracoastal Waterway, the marina accommodates boats of nearly every size. This golf cart-friendly community also features an updated clubhouse with ballroom, gathering room, two kitchens, fitness center, card room, and library. Outdoor amenities include a community pool, tennis and pickleball courts, kayak launch and storage, bocce court, basketball courts and playground. All this is perfectly located in desirable Osprey, just minutes from shopping, restaurants, Pineview School, major roadways, downtown Venice and Sarasota, and the beautiful beaches of Nokomis and Siesta Key. Don’t miss this incredible opportunity to own one of Southbay’s most feature-rich homes! Schedules your private showing today.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,939

Sqft

0.28 ac

Lot size

3

Garage

1981

Year built

One

Levels

$476

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCeramic Tile · Engineered Hardwood · Travertine
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Wine Refrigerator
InteriorCrown Molding · Tray Ceiling(s) · Vaulted Ceiling(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorIrrigation System · Outdoor Kitchen · Private Mailbox · Sliding Doors

Community & fees

HOA fee$219/mo
Taxes (2025)$7,320/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$9,068 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property tax — 2025 actual bill$610
HOA fee — from the listing$219
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $140,000Loan30-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% · $140,000
Interest rate6.00%
Loan term

Estimated payment

$9,068/mo

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property taxes (actual bill)$610
HOA / condo fee$219
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.

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 $1.4M
$882KedgeAI estimate $1,121,825 · range $918K$1.6M$1.7M

vs edgeAI estimate

+24.8%

Days on market

16 vs 57 typical

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 Southbay Yacht & Racquet Club

Map of 486 YACHT HARBOR DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa72 min

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

Get to know Osprey. See the full Osprey guide →

Southbay Yacht & Racquet Club — neighborhood snapshot

Population

1,031

Median age

64

Median income

$98,565

Median home value

$807,000

Avg household

2

Households w/ children

44%

For the school run

Sarasota County School District

ElementaryLaurel Nokomis School★★★★
HighVenice Senior High School★★★★

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

The numbers that matter

The Osprey market

Seller’s marketBalanced6.6 months of inventoryBuyer’s market

$710K$530K

Osprey median sold, yr/yr

93.5%

Sale-to-list ratio (12 mo)

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

This home is listed 180% above the OSPREY 34229 median. See the full Osprey market guide →

Paper trail

This home's history

Jul 17, 2026Listed at $1,400,000 · 16 days on market since
1981Built · SOUTHBAY YACHT & RACQUET CLUB

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 486 YACHT 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 486 YACHT 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

486 YACHT HARBOR DRIVE FAQs

What would the monthly payment be for 486 YACHT HARBOR DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,068/mo — principal and interest, the actual property-tax bill, the $219/mo association fee 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.

How much are the HOA fees at 486 YACHT HARBOR DRIVE?+

The association fee works out to $219 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 486 YACHT HARBOR DRIVE?+

The most recent tax bill on record (2025) was $7,320. 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 486 YACHT HARBOR DRIVE?+

The listing reports pets: 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 Osprey?+

At $1,400,000, this home is listed about 102% above the Osprey median of $692,000. The market section on this page shows how the area is trending.

Which schools are assigned to 486 YACHT HARBOR DRIVE?+

Laurel Nokomis School (elementary), Venice Senior High School (high) — 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

$1,400,000 runs 180% above the OSPREY 34229 median — but at 2,939 sqft it's also 34% larger than the typical Osprey listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Laurel Nokomis School, Venice Senior High School — Laurel Nokomis School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of PAT WILLIAMS REALTY, LLC · Pat Williams. MLS #A4700109.

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.

Never miss a listing

New Osprey homes, in your inbox

Like 486 YACHT HARBOR DRIVE but not quite? A daily digest of every new listing in Osprey — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 2, 2026 at 4:39 PM UTC. The listing information on this page last changed on August 2, 2026 at 4:39 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 2, 2026 at 4:39 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 2, 2026 at 4:39 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

486 YACHT HARBOR DRIVE, OSPREY, FL — 3 Bed, 3.5 Bath — $1,400,000 | CENTURY 21 Edge