
486 YACHT HARBOR DRIVE, OSPREY, FL, 34229
Pending16 days on marketListed Jul 17, 2026MLS #A4700109
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
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 and the real association fee — not generic estimates.
$9,068 /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
$9,068/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
+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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Osprey 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
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 486 YACHT HARBOR DRIVE — start here.

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.
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.
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