513 GUNWALE LANE, LONGBOAT KEY, FL, 34228
Active214 days on marketListed Jan 2, 2026MLS #J996451
About this home
513 GUNWALE LANE
Welcome to Beach & Boaters Paradise located on Longboat Key. Enjoy immediate access to beautiful Sarasota Bay, the Gulf of Mexico and Longboat Key’s sugar white sand beaches and emerald green waters. Fish off the dock or walk to the beach! Or enjoy the large, heated pool in this 4 bedroom, 3.5 bath luxury waterfront home designed to provide you and your family a lifetime of vacation memories to cherish. The deeded beach access is a short walk across Gulf of Mexico Drive. The dock-side screened patio has a large family-friendly heated pool and abundant lounging areas that invite you to swim the day away or just relax and read a book. Enjoy sunset dinners cooked on the built-in gas grill and dine "al fresco" at the outdoor dining table next to the pool as you watch the fish jumping by the dock! If dining out, shopping or going to the theatre are of interest, we are just 2 miles from St. Armand’s Circle and only 4 miles from downtown Sarasota where there are amazing opportunities! Available January, February and March 2026.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,292
Sqft
0.29 ac
Lot size
2
Garage
1967
Year built
One
Levels
$6
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.
$267 /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
$267/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 Longboat Key actives
$6 vs $692
Days on market
214 vs 95 typical
Where $6/sqft sits among the 260 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 Country Club Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Longboat Key. See the full Longboat Key guide →
Country Club Shores — neighborhood snapshot
Population
715
Median age
74
Median income
$136,865
Median home value
$1,525,581
Avg household
2
Households w/ children
5%
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 → $882K
Longboat Key median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
112 of 260
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 98% 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 513 GUNWALE LANE
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$1,690,000
340 GULF OF MEXICO DRIVE UNIT 124
3 bd · 3 ba · 2,365 sqft · $715/sqft · 333 DOM
Sold · Jun ’26$1,950,000
545 SANCTUARY DRIVE UNIT B806
3 bd · 2.5 ba · 2,375 sqft · $821/sqft · 304 DOM
Sold · Jul ’26$1,725,000
545 SANCTUARY DRIVE UNIT B506
3 bd · 2.5 ba · 2,375 sqft · $726/sqft · 160 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 513 GUNWALE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 513 GUNWALE LANE — 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
513 GUNWALE LANE FAQs
What would the monthly payment be for 513 GUNWALE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $267/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 513 GUNWALE LANE?+
The listing reports pets: Breed Restrictions, Dogs OK, Number Limit, Pet Deposit. 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 $14,750, this home is listed about 98% below the Longboat Key median of $949,450. The market section on this page shows how the area is trending.
Which schools are assigned to 513 GUNWALE LANE?+
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
Four things that matter here
01Under the LONGBOAT KEY 34228 market on paper
$14,750 is 98% below the LONGBOAT KEY 34228 median of $634,500, and at $6/sqft it sits under the Longboat Key average of $841.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
214 days on market against a Longboat Key median of 95 — sellers in this position are usually ready to negotiate.
04Strong 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 STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J996451.
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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