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520 Harbor Cay Drive

Longboat Key, FL 34228

3 beds
5 baths
3,828 sqft
~1/2 acre lot
$1,174 per sqft
1986 build
– on site

This exquisite two-story waterfront home located in the coveted Harbor section of Bay Isles has been meticulously renovated to embody modern elegance and luxurious coastal living. Surrounded by lush tropical landscaping, the home welcomes you through an elegant French door entrance into the grand foyer, where soaring ceilings, gleaming travertine flooring, and a striking wrought iron floating staircase with rich, dark wood steps set the tone for the refined elegance that unfolds throughout the home. The lower level boasts a bright and airy open space with hardwood floors throughout, creating a welcoming atmosphere that effortlessly combines sophistication with the timeless beauty of natural materials. The spacious family room is anchored by a stunning fireplace with decorative columns and an elegant mantel, complemented by French doors leading to the expansive waterfront lanai, reinforcing the home's seamless connection to its stunning natural surroundings. A culinary enthusiast’s dream, the generously sized kitchen features a large island with a waterfall granite countertop, custom cabinetry, ample storage space, and high-end stainless steel appliances, including a six-burner gas range and double ovens. Adjacent to the kitchen, the dining area and great room spaces flow seamlessly into each other. The great room is both grand and inviting, showcasing a dramatic wood-clad cathedral ceiling that adds warmth and character. A second stone fireplace enhances the ambiance, while three sets of French doors that open onto the lanai offer an effortless transition between indoor and outdoor living. Also on this level are two generous guest suites, each with a full bath, one with direct lanai access, and a den with full bath. Upstairs, the primary suite is a true retreat. Floor-to-ceiling windows illuminate the space, and French doors open to a spacious private balcony, offering captivating water views that create a peaceful escape. A cozy fireplace adds to the intimate atmosphere, while the spa-inspired en-suite bath indulges with marble flooring, soaking tub, dual vanities, frameless glass walk-in shower, and water closet, all overlooking the serene waterway. The outdoor living space is equally spectacular, designed for both relaxation and entertaining. The expansive lanai features multiple covered areas with a rich wood-clad ceiling and retractable screens, a sun-drenched open-air section, and a stunning saltwater pool with travertine decking framed by verdant tropical landscaping. Just beyond the pool, a private dock with a boat lift sits on a deep-water basin and wide canal with no bridges to Sarasota Bay, offering quick and direct access for boating enthusiasts. Bay Isles Beach Club membership is included. This extraordinary home seamlessly blends elegance, comfort, and the unparalleled beauty of waterfront living, creating a sanctuary that is as functional as it is breathtaking.

Listing courtesy of STELLAR_MLS / MICHAEL SAUNDERS & COMPANY

Last checked: Checking… • Last updated Mar 14, 2025 •

MLS# A4643565 —

The Building

Year Built:

1986
New Construction:

false
Architectural Style:

Custom
Construction Materials:

Block
Building Elevator:

false
Levels:

Two
Roof:

Tile
Foundation Details:

Stem Wall
Window Features:

Drapes
Patio And Porch Features:

Covered
Security Features:

Gated Community
Building Area Total:

6095
Building Area Units:

Square Feet
Building Area Source:

Public Records

Interior

Interior Features:

Ceiling Fan(s)
Furnished:

Unfurnished
Flooring:

Engineered Hardwood
Additional Rooms:

Family Room
Fireplace:

true
Fireplace Features:

Family Room

Room Dimensions

Living Area:

3828
Living Area Units:

Square Feet
Living Area Source:

Public Records

Location

Directions:

From south Longboat Key. go north on Gulf of Mexico Drive to south gate of Bay Isles, after guard gate take immediate right thru green gates, second left, 2nd home on the right.
Latitude:

27.354314
Longitude:

-82.60939
Coordinates:

-82.60939, 27.354314

The Property

Parcel Number:

0008160010
Property Type:

Residential
Property Subtype:

Single Family Residence
Lot Features:

FloodZone
Lot Size Acres:

0.4
Lot Size Area:

17535
Lot Size SqFt:

17535
Lot Size Units:

Square Feet
Total Acres:

1/4 to less than 1/2
Zoning:

PD
Direction Faces:

Northwest
View:

Pool
View:

true
Exterior Features:

Balcony
Vegetation:

Mature Landscaping
Water Source:

Public
Road Responsibility:

Private Maintained Road
Road Surface Type:

Paved
Road Frontage Type:

Street Dead-End
Flood Zone Code:

AE
Flood Zone Panel:

12115C0126G
Additional Parcels:

false
Homestead:

false
Lease Restrictions:

true
Land Lease:

false

Listing Agent

Contact info:

Taxes

Tax Year:

2024
Tax Lot:

35
Tax Legal Description:

LOT 35 BAY ISLES UNIT 1
Tax Book Number:

23-35
Tax Annual Amount:

29765

Beds

Bedrooms Total:

3

Baths

Total Baths:

4.5
Total Baths:

5
Full Baths:

4
Half Baths:

1

The Listing

Virtual Tour URL Unbranded:

https://links.us1.defend.egress.com/Warning?crId=67ce089979370367700312f6&Domain=michaelsaunders.com&Threat=eNpzrShJLcpLzAEADmkDRA%3D%3D&Lang=en&Base64Url=eNrLKCkpKLbS1y8vL9dLLspMSsupTC3SS87P1Tc1MtDNSCxKyi_STU6s1E0p0i_JLy0CAKxiEWU%3D&@OriginalLink=www.cribflyer.com
Special Listing Conditions:

None

Heating & Cooling

Heating:

Central
Heating:

true
Cooling:

Central Air
Cooling:

true

Utilities

Utilities:

Electricity Connected
Sewer:

Public Sewer

Appliances

Appliances:

Built-In Oven
Laundry Features:

Inside

Schools

Elementary School:

Southside Elementary
Middle Or Junior School:

Booker Middle
High School:

Booker High

The Community

Subdivision Name:

BAY ISLES
Senior Community:

false
Community Features:

Canal Front
Waterview:

Bay/Harbor - Full
Waterview:

true
Water Access:

Bay/Harbor
Water Access:

true
Water Extras:

Assigned Boat Slip
Waterfront:

true
Waterfront Features:

Canal Front
Spa:

false
Pool Private:

true
Pool Dimensions:

14x30 irr
Pool Features:

Deck
Pets Allowed:

Cats OK
Pet Restrictions:

Refer to HOA Docs for all restrictions
# of Pets:

5
Max Pet Weight:

100
Association:

true
Association Fee:

2500
Association Fee Frequency:

Annually
Association Fee Includes:

24-Hour Guard
Association Fee Requirement:

Required
Association Fee 2:

3720
Association Fee 2 Frequency:

Annually
Monthly HOA Amount:

208.33
Amenities Additional Fees:

One time Bay Iles HOA Assessment of $3700.00
Ownership:

Fee Simple
Association Approval Required:

true
Waterfront Feet Total:

68

Parking

Garage:

true
Attached Garage:

true
Garage Spaces:

2
Garage Dimensions:

28x24
Carport:

false
Covered Spaces:

2
Open Parking:

true
Parking Features:

Circular Driveway

Monthly cost estimate

Asking price

$4,495,000

Expense	Monthly cost
Mortgage	$24,069
Taxes	$2,480
Insurance	$1,236
HOA fees	$208
Utilities	$207 See report
Total	$28,200/mo.^*
	^*This is an estimate

Explore the Area

My Commute

From

Walk Score®

Provided by WalkScore® Inc.

Bike Score®

Provided by WalkScore® Inc.

Soundscore™

Provided by HowLoud

Air Pollution Index

Provided by ClearlyEnergy

Sale history

Date	Event	Source	Price	% Change
3/13/25 Mar 13, 2025	Listed / Active	STELLAR_MLS	$4,495,000	318.1% (24.7% / YR)
5/1/12 May 1, 2012		STELLAR_MLS	$1,075,000

House For Sale

$4,495,000

HOA

$208/mo.

Cost Est.

$28,200/mo.

Listing provided by broker:

Steve Walter

MICHAEL SAUNDERS & COMPANY

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This house located in Bay Isles South, Longboat Key, FL 34228 is currently for sale for $4,495,000. 520 Harbor Cay Drive is a 3,828 square foot house with 3 beds and 5 baths that has been on Estately for 1 days. 520 Harbor Cay Drive is in the Bay Isles South neighborhood of Longboat Key and has a WalkScore® of 1, making it car-dependent. This house is in the attendance area of Booker Middle School and Southside Elementary School.

Listing Courtesy of: STELLAR_MLS and MICHAEL SAUNDERS & COMPANY.

Based on information from the My Florida Regional MLS DBA Stellar MLS 2025.

All information provided is deemed reliable but is not guaranteed and should be independently verified. Stellar MLS, Estately and their affiliates provide the MLS and all content therein “AS IS” and without any warranty, express or implied. The information included in this listing 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. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. Stellar MLS and Estately assume no responsibility for typographical errors, misprints or misinformation. This property is offered without respect to any protected classes in accordance with the law. For any questions please call (407) 499-8911.