4420 EXETER DRIVE UNIT 303, LONGBOAT KEY, FL, 34228
Active179 days on marketListed Jan 26, 2026MLS #TB8455704
About this home
4420 EXETER DRIVE UNIT 303
Enjoy tranquil, unobstructed Sarasota Bay views from this top-floor, two-bedroom, two-bath partially furnished residence in the desirable Longboat Harbour community. Fresh paint and updated lighting in some areas of the home enhance the bright, inviting interior, while comfortable living spaces offer peaceful water views from most rooms. The kitchen features stainless steel appliances, the hall bath has been refreshed with timeless finishes, and impact windows plus in-unit washer and dryer hookup add everyday convenience. Longboat Harbour offers resort-style amenities including multiple heated pools, fitness center with sauna, tennis, pickleball, shuffleboard, fishing pier, boating docks up to 34 feet, bike and kayak storage, on-site management, and deeded beach access just across the street with gated parking and facilities. Perfectly located mid-key for relaxed island living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$477
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.
$5,360 /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
$5,360/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−2.1%
$/sqft vs LONGBOAT HARBOUR
$477 vs $447
Days on market
179 vs 95 typical
Where $477/sqft sits among the 9 homes for sale in LONGBOAT HARBOUR
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 → $893K
Longboat Key median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
4 of 9
LONGBOAT HARBOUR have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% 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 4420 EXETER 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 · Apr ’26$550,000
4420 EXETER DRIVE UNIT 307 · same community
2 bd · 2 ba · 1,152 sqft · $477/sqft · 65 DOM
Sold · Dec ’25$460,000
4380 EXETER DRIVE UNIT 303 · same community
2 bd · 2 ba · 1,152 sqft · $399/sqft · 44 DOM
Sold · Dec ’25$505,000
4400 EXETER DRIVE UNIT J-201 · same community
2 bd · 2 ba · 1,168 sqft · $432/sqft · 244 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 4420 EXETER 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 4420 EXETER 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
4420 EXETER DRIVE UNIT 303 FAQs
What would the monthly payment be for 4420 EXETER DRIVE UNIT 303?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,360/mo — principal and interest, the actual property-tax bill, the $1,412/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 4420 EXETER DRIVE UNIT 303?+
The association fee works out to $1,412 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4420 EXETER DRIVE UNIT 303?+
The most recent tax bill on record (2025) was $3,678. 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 4420 EXETER 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 $550,000, this home is listed about 43% below the Longboat Key median of $960,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4420 EXETER 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
Five things that matter here
01Under the LONGBOAT KEY 34228 market on paper
$550,000 is 15% below the LONGBOAT KEY 34228 median of $649,900, and at $477/sqft it sits under the Longboat Key average of $844.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,412/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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.
05The price has already moved
Listed at $699,000, now $550,000 — a $149K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Jerry Gemmecke. MLS #TB8455704.
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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