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.
Sold for $3,300,000
$3,300,000
520 Harbor Cay Dr, Longboat Key, FL 34228
4beds
3,828sqft
Single Family Residence
Built in 1986
0.4 Acres Lot
$3,268,300 Zestimate®
$862/sqft
$16,572 Estimated rent
Home value
$3,268,300
$2.97M - $3.60M
$16,572/mo
Zestimate® history
Owner options
List your home for rent
$16,572/mo
Rent Zestimate®
Find your next renter with Zillow Rental Manager. Plus, with online applications, you can quickly screen prospective tenants – for free.
$16,572/mo
Rent Zestimate®
Refinance and save
$21,729/mo
Est. payment
Refinancing to a lower rate could help reduce your monthly payments and save thousands over the life of the loan.
$21,729/mo
Est. payment
Explore your selling options
Work with a Zillow partner agent
Leverage their expertise and Zillow's premium Showcase listings to get your home seen by more buyers.
Get startedList with your own agent
Get your home in front of millions of buyers by listing it on Zillow.
Learn how to do itSell it yourself
Take full control of how buyers see your home on Zillow by listing For Sale by Owner (FSBO).
List your homeWhat's special
Cozy fireplaceStunning fireplacePrivate balconyDeep-water basinSaltwater poolGuest suitesFloor-to-ceiling windows
Zillow last checked:
Listing updated:
Listed by:
Steve Walter 941-809-0907,
MICHAEL SAUNDERS & COMPANY 941-383-7591,
Janet Walter 941-232-2000,
MICHAEL SAUNDERS & COMPANY
Bought with:
Tina Rudek Stark, PA, 0644077
ROSEBAY INTERNATIONAL REALTY, INC
Joe Hargrove, 3595989
ROSEBAY INTERNATIONAL REALTY, INC
Source: Stellar MLS,MLS#: A4643565
Originating MLS: Sarasota - Manatee
Originating MLS: Sarasota - Manatee
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 5
- Full bathrooms: 4
- 1/2 bathrooms: 1
Rooms
- Room types: Family Room, Great Room, Utility Room
Primary bedroom
- Features: Dual Sinks, En Suite Bathroom, Stone Counters, Tub with Separate Shower Stall, Water Closet/Priv Toilet, Walk-In Closet(s)
- Level: Second
- Area: 315 Square Feet
- Dimensions: 21x15
Bedroom 2
- Features: Ceiling Fan(s), En Suite Bathroom, Walk-In Closet(s)
- Level: First
- Area: 180 Square Feet
- Dimensions: 15x12
Bedroom 3
- Features: Ceiling Fan(s), Shower No Tub, Walk-In Closet(s)
- Level: First
- Area: 168 Square Feet
- Dimensions: 14x12
Bedroom 4
- Features: Ceiling Fan(s), En Suite Bathroom, Shower No Tub, Walk-In Closet(s)
- Level: Second
- Area: 204 Square Feet
- Dimensions: 17x12
Balcony porch lanai
- Features: Ceiling Fan(s)
- Level: First
Dining room
- Level: First
- Area: 165 Square Feet
- Dimensions: 15x11
Family room
- Features: Ceiling Fan(s)
- Level: First
- Area: 247 Square Feet
- Dimensions: 13x19
Kitchen
- Level: First
- Area: 315 Square Feet
- Dimensions: 21x15
Living room
- Level: First
- Area: 567 Square Feet
- Dimensions: 27x21
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Oven, Cooktop, Dishwasher, Disposal, Dryer, Freezer, Microwave, Range Hood, Refrigerator, Trash Compactor, Washer
- Laundry: Inside, Laundry Room
Features
- Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Wet Bar
- Flooring: Engineered Hardwood, Marble, Travertine
- Doors: French Doors, Outdoor Grill, Outdoor Kitchen, Sliding Doors
- Windows: Drapes, Shades, Window Treatments
- Has fireplace: Yes
- Fireplace features: Family Room, Gas, Living Room, Master Bedroom
Interior area
- Total structure area: 6,095
- Total interior livable area: 3,828 sqft
Property
Parking
- Total spaces: 2
- Parking features: Circular Driveway, Driveway, Garage Door Opener, Ground Level, Off Street
- Attached garage spaces: 2
- Has uncovered spaces: Yes
- Details: Garage Dimensions: 28x24
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered, Deck, Rear Porch, Screened
- Exterior features: Balcony, Irrigation System, Lighting, Outdoor Grill, Outdoor Kitchen, Rain Gutters, Boat Slip
- Has private pool: Yes
- Pool features: Deck, Heated, In Ground, Lighting, Tile
- Has view: Yes
- View description: Pool, Trees/Woods, Water, Bay/Harbor - Full, Bayou, Lagoon
- Has water view: Yes
- Water view: Water,Bay/Harbor - Full,Bayou,Lagoon
- Waterfront features: Canal Front, Waterfront, Bay/Harbor, Bay/Harbor Access, Bayou Access, Saltwater Canal Access, Intracoastal Waterway Access, Lift, No Wake Zone, Sailboat Water, Seawall
Lot
- Size: 0.4 Acres
- Features: FloodZone, City Lot, Landscaped, Near Golf Course, Near Marina, Private, Street Dead-End
- Residential vegetation: Mature Landscaping, Trees/Landscaped
Details
- Parcel number: 0008160010
- Zoning: PD
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Custom,Florida
- Property subtype: Single Family Residence
Materials
- Block, Stucco
- Foundation: Stem Wall
- Roof: Tile
Condition
- New construction: No
- Year built: 1986
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected, Natural Gas Connected, Public, Sewer Connected, Street Lights, Underground Utilities, Water Connected
Community & HOA
Community
- Features: Canal Front, Water Access, Waterfront, Gated Community - Guard
- Security: Gated Community, Key Card Entry, Security Gate, Security Lights, Security System, Smoke Detector(s)
- Pet fee: $0 monthly
- Subdivision: BAY ISLES
HOA
- Has HOA: Yes
- Services included: 24-Hour Guard, Common Area Taxes, Private Road, Security
- HOA fee: $518 monthly
- HOA name: Ken Kanderfer
- HOA phone: 941-921-3221
- Second HOA name: Bay Isles, Advanced Mgmt, Inc. - Neil Fleet
- Second HOA phone: 941-383-3200
Location
- Region: Longboat Key
Financial & listing details
- Price per square foot: $862/sqft
- Tax assessed value: $2,840,900
- Annual tax amount: $29,765
- Date on market: 3/13/2025
- Cumulative days on market: 319 days
- Listing terms: Cash,Conventional
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved, Asphalt
Price history
| Date | Event | Price |
|---|---|---|
| 2/27/2026 | Sold | $3,300,000-5%$862/sqft |
Source:  Stellar MLS #A4643565 Report a problem | ||
| 1/26/2026 | Pending sale | $3,475,000$908/sqft |
Source: Stellar MLS #A4643565 Report a problem | ||
| 1/25/2026 | Price change | $3,475,000-13%$908/sqft |
Source: Stellar MLS #A4643565 Report a problem | ||
| 10/1/2025 | Price change | $3,995,000-6%$1,044/sqft |
Source: Stellar MLS #A4643565 Report a problem | ||
| 7/26/2025 | Price change | $4,250,000-5.5%$1,110/sqft |
Source: Stellar MLS #A4643565 Report a problem | ||
| 3/13/2025 | Listed for sale | $4,495,000+318.1%$1,174/sqft |
Source: Stellar MLS #A4643565 Report a problem | ||
| 5/2/2012 | Sold | $1,075,000-10%$281/sqft |
Source: Public Record Report a problem | ||
| 2/14/2012 | Price change | $1,195,000-7.7%$312/sqft |
Source: Coldwell Banker Residential Real Estate - Longboat Key #A3946437 Report a problem | ||
| 11/1/2011 | Price change | $1,295,000-7.2%$338/sqft |
Source: Coldwell Banker Residential Real Estate - Longboat Key #A3946437 Report a problem | ||
| 7/22/2011 | Listed for sale | $1,395,000-30.1%$364/sqft |
Source: Coldwell Banker Residential Real Estate - Longboat Key #A3946437 Report a problem | ||
| 6/15/2011 | Sold | $1,994,700+25.1%$521/sqft |
Source: Public Record Report a problem | ||
| 6/4/2003 | Sold | $1,595,000+70.6%$417/sqft |
Source: Public Record Report a problem | ||
| 9/2/1998 | Sold | $935,000+37.5%$244/sqft |
Source: Public Record Report a problem | ||
| 1/28/1998 | Sold | $680,000$178/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $31,740 +6.6% | $2,097,046 +10% |
| 2024 | $29,765 +5.8% | $1,906,405 +10% |
| 2023 | $28,135 +9.3% | $1,733,095 +10% |
| 2022 | $25,746 +23% | $1,575,541 +10% |
| 2021 | $20,931 +12.1% | $1,432,310 +10% |
| 2020 | $18,677 -1.2% | $1,302,100 -2.1% |
| 2019 | $18,906 | $1,330,300 -10.3% |
| 2018 | $18,906 -10.4% | $1,482,300 -3.6% |
| 2017 | $21,106 -2.9% | $1,538,400 -5.9% |
| 2016 | $21,739 | $1,635,300 +9.2% |
| 2015 | $21,739 | $1,497,200 +33% |
| 2014 | $21,739 +28.7% | $1,125,700 |
| 2013 | $16,886 +9.5% | $1,125,700 +7.1% |
| 2012 | $15,423 -0.8% | $1,051,400 -5.6% |
| 2011 | $15,552 -3.7% | $1,113,300 -0.9% |
| 2010 | $16,143 -9.3% | $1,123,800 -14.1% |
| 2009 | $17,789 | $1,309,000 -2.7% |
| 2008 | $17,789 +2% | $1,345,510 +3% |
| 2007 | $17,441 | $1,306,320 +2.5% |
| 2006 | -- | $1,274,459 +3% |
| 2005 | -- | $1,237,339 +3% |
| 2004 | $18,546 +58.7% | $1,201,300 +64.7% |
| 2003 | $11,683 -1.5% | $729,341 +2.4% |
| 2002 | $11,862 +5.6% | $712,247 +1.6% |
| 2001 | $11,232 +1.3% | $701,030 +3% |
| 2000 | $11,089 | $680,612 |
Find assessor info on the county website
Neighborhood: 34228
Nearby homes
- $5,227,8004 bd4 ba5.4k sqft510 Harbor Cay Dr, Longboat Key, FL 34228Off Market
- $4,550,0004 bd4 ba4.2k sqft1571 Harbor Cay Ln, Longboat Key, FL 34228For Sale
- $4,158,3004 bd5 ba4.3k sqft531 Harbor Cay Dr, Longboat Key, FL 34228Off Market
- $2,785,8004 bd4 ba4.5k sqft521 Harbor Cay Dr, Longboat Key, FL 34228Off Market
- $3,080,2004 bd4 ba3.4k sqft1561 Harbor Cay Ln, Longboat Key, FL 34228Off Market
- $3,402,6004 bd4 ba3.8k sqft511 Harbor Cay Dr, Longboat Key, FL 34228Off Market
- $2,770,6003 bd4 ba2.7k sqft1591 Harbor Cay Ln, Longboat Key, FL 34228Off Market
- $3,043,1003 bd4 ba3.7k sqft501 Harbor Gate Way, Longboat Key, FL 34228Off Market
Nearby schools
GreatSchools rating
- 10/10Southside Elementary SchoolGrades: K-5Distance: 5.7 mi
- 5/10Booker Middle SchoolGrades: 6-8Distance: 5.3 mi
- 3/10Booker High SchoolGrades: 9-12Distance: 4.4 mi
Schools provided by the listing agent
- Elementary: Southside Elementary
- Middle: Booker Middle
- High: Booker High
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Get a cash offer in 3 minutes
Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$3,268,300
Get a cash offer in 3 minutes
Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$3,268,300
- Florida
- Sarasota County
- Longboat Key
- 34228
- 520 Harbor Cay Dr
Nearby cities
Nearby zip codes
Other Longboat Key Topics
