$4,495,000

520 Harbor Cay Dr Longboat Key, FL 34228

3 beds
4 full, 1 partial
3,828 sqft
0.4 acres
$1,174 / sqft
House

Property details

About 520 Harbor Cay Dr

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.

Highlights

Home typeSingle Family Residence
HeatingCentral, Electric
StatusActive
CoolingCentral Air
Size3,828 sqft
Lot size0.4 Acres
Year built1986
ParkingCircular Driveway, Driveway, Garage Door Opener, Ground Level, Off Street
MLS #A4643565
Attached garage2 spaces
WaterfrontBay
FireplaceFamily Room, Gas, Living Room, Primary Bedroom
ViewPool, Trees/Woods, Water
Private poolYes

Summary

  • MLS Number: A4643565
  • MLS Name: MFRMLS
  • Office Name: MICHAEL SAUNDERS & COMPANY
  • Office Phone: (941) 383-7591
  • Listing Agent: Steve Walter

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IDX Copyright 2025 My Florida Regional Multiple Listing Service DBA Stellar MLS. The real estate listing data marked with this icon comes from the IDX program of the Stellar MLS system. All information provided is deemed reliable but is not guaranteed and should be independently verified. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independently verified. Listing information is provided exclusively for consumers’ personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Properties displayed may be listed or sold by various participants in the MLS.
Data displayed may be a portion of, and not a complete set of all listings published in the MLS.
Last updated on: 3/14/2025, 3:20:03 PM Eastern. If you have any questions regarding the accuracy of this data, please contact us at help@rockethomes.com.

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$4,495,000

520 Harbor Cay Dr

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Price information

Property sales

DateEventPrice
May 02, 2012
Home Sold
$1,075,000
Jun 15, 2011
Home Sold
$1,994,652
Jun 04, 2003
Home Sold
$1,595,000
Sep 02, 1998
Home Sold
$935,000
Jan 28, 1998
Home Sold
$680,000

Tax history

YearAssessmentProperty Tax
2023$2,587,700$28,135
2022$2,322,900$25,746
2021$1,559,000$25,746
2020$1,302,100$20,931
2019$1,330,300$18,906
2018$1,482,300$21,105
2017$1,538,400$22,257

History based on county public records data.

Nearby schools

7

Bay Haven School of Basics Plus

Public Magnet KG-5

3.6 mi

2901 W Tamiami Cir

4

Emma E. Booker Elementary School

Public District PK-5

5.3 mi

2350 Dr Martin Luther King Way

7

Florine J. Abel Elementary School

Public District PK-5

5.4 mi

7100 Madonna Pl

School ratings are a score out of 10, where 10 is the highest and 1 is the lowest.

All data from GreatSchools

Neighborhood

The neighbors living near this home have an average income of $157,229. Most Longboat Key, FL residents have annual incomes $200k+. The most common type of family is married, no kids. Most residents in this area have post secondary degree education.

How much money do the neighbors make?

11%
<35k
21%
35k-100k
27%
100k-200k
41%
200k+

What level of education do the neighbors have?

High School Diploma
Post Secondary Degree
Masters Degree
Doctorate

What types of families live nearby?

29%
Single, No Kids
0%
Single, with Kids
70%
Married, No Kids
1%
Married, with Kids

Are the neighbors home owners or renters?

Home Owners
Renters

How old are people in this area?

1%
<11 yrs old
0%
12-17 yrs old
1%
18-34 yrs old
25%
35-64 yrs old
73%
65+ yrs old

What do the neighbors do for fun?

  • PGA/LPGAPGA/LPGA
  • Men's TennisMen's Tennis
  • Hiking/backpackingHiking/backpacking

Where do the neighbors shop?

  • Chico'sChico's
  • BloomingdalesBloomingdales
  • Nordstrom RackNordstrom Rack

Where do the neighbors go to eat?

  • Bonefish GrillBonefish Grill
  • ChipotleChipotle
  • California Pizza KitchenCalifornia Pizza Kitchen

What do the neighbors drive?

  • CadillacCadillac
  • LexusLexus
  • MazdaMazda

What do the neighbors listen to?

  • ClassicalClassical
  • NewsNews
  • RockRock
All data provided by Home Junction and Claritas

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Frequently asked questions

About 520 Harbor Cay Dr

This home is located at 520 Harbor Cay Dr in Longboat Key, FL and zip code 34228. This 3,828 square foot home, which was built in 1986, sits on a 0.40 acre lot. Features: 3 bedrooms, 5 bathrooms. It has been listed on Rocket Homes since March 13, 2025 and is currently priced at $4,495,000.

While more than 1 listings in Longboat Key, FL in February 2025 were sold above asking price, there were more than 1 listings sold at asking price, and more than 24 were sold below. The inventory of homes for sale in Longboat Key, FL between January and February 2025 increased by 16.9%. While the average time on the market in February 2025 was 37 days, the median list price was $1,260,000.

From Rocket Homes Real Estate and based on county public records data.

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