560 HARBOR COVE CIRCLE, Longboat Key, FL, 34228 | $8,700,000

An exceedingly rare offering within the exclusive Bay Harbour enclave of Bay Isles on Longboat Key, this extraordinary peninsula estate delivers exceptional privacy, dramatic Sarasota Bay views, and direct boating access to both the Intracoastal Waterway and the Gulf of Mexico. Positioned at the end of a quiet cul-de-sac on a three-sided waterfront peninsula, the property features two private docks with water and electric, including one with a 15, 000-lb lift designed for easy access. The Gulf is reachable through the nearby jetty with drawbridge, with an additional route via the John Ringling Bridge. The seawall was newly capped in 2020, and the pier deck and boat lift controls were replaced in 2025, ensuring superior waterfront infrastructure.
Extensively rebuilt and structurally engineered, the residence is warm, refined, and filled with natural light, capturing sweeping bay views from nearly every room. The chef-inspired kitchen showcases custom rare wood cabinetry, an extended breakfast bar, a three-sink layout, double dishwashers, Sub-Zero refrigerator, Wolf warming drawer, standalone ice maker, and beautifully finished wood ceilings.
The living and dining areas feature a custom jazz club floor and open seamlessly to a wraparound screened lanai, fully reconstructed with multilayer waterproof construction, a rich teak ceiling, and an open-sky section ideal for coastal breezes and stargazing. Multiple seating and dining areas create effortless indoor-outdoor living with uninterrupted water views.
Outdoors, the pool area offers a private retreat surrounded by tropical landscaping and expansive travertine decking designed for both relaxation and entertaining. A custom palm-terrace garden enhances the tranquil ambiance along the east side of the deck.
All bathrooms have been fully remodeled with premium finishes, floor-to-ceiling tilework, and frosted glass shower doors. The primary suite features an elegant, spa-like bath designed with refined materials.
Additional upgrades include hurricane-rated windows and doors, 5-ton A/C units installed in 2024 and 2025, all-new plumbing, electrical, and HVAC ductwork, a whole-house water purification system, a full security camera system, and extensive structural improvements completed under engineering oversight. Exterior enhancements include landscape lighting, a resurfaced epoxy garage floor with mini-split A/C, and cell-foam insulation for efficiency.
Residents of Bay Isles enjoy private Gulf beach access at the Bay Isles Beach Club, offering tiki huts, restrooms, BBQ areas, and gathering spaces. The gated community provides 24/7 security, community pools, and miles of shaded sidewalks ideal for walking and cycling.
With its unrivaled peninsula setting, exceptional boating amenities, unmatched privacy, and sweeping water views at every turn, this estate represents one of Longboat Key’s most remarkable waterfront opportunities—an extraordinary residence defined by craftsmanship, luxury, and coastal elegance.

Features

  • Amenities: Gated, Pool, Storage, Trail(s)
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 3 full / 1 half
  • Laundry: Laundry Room
  • Style: Custom
  • Year Built: 1981
  • Garage: 2-car Driveway, Oversized
  • Heating: Central, Electric
  • Cooling: Central Air, Humidity Control, Mini-Split Unit(s), Zoned
  • Approx Sq. Feet: 3,485
  • Acreage: 0.41
  • Est. Taxes: $28,036
  • HOA Fee: $6,200 Annually
  • Lot Desc: Cul-De-Sac, Near Marina
  • View: Pool, Water
  • Elem. School: Southside Elementary
  • Middle School: Booker Middle
  • High School: Booker High
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Ice Maker, Microwave, Other, Range Hood, Refrigerator, Washer, Water Filtration System, Water Purifier, Wine Refrigerator
  • MLS#: A4672059
  • Days on Market: 81 days
  • Website: https://www.raveis.com
    /eprop/A4672059/560harborcovecircle_longboatkey_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/19/2026 3:37:51 PM)

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560 HARBOR COVE CIRCLE, Longboat Key, FL, 34228

$8,700,000

Denise Walsh - The Denise Walsh Team

Sales Vice President

William Raveis Real Estate

Phone: 203.650.1583

Denise.Walsh@raveis.com

Jorge L Rivera

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.913.1633

Jorge.Rivera@Raveis.com

NMLS Mortgage Loan Originator ID 12303

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $6,960,000 $6,960,000 $6,960,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.289% 6.235% 6.058%
Monthly Tax Payment $2,336 $2,336 $2,336
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $41,171 $42,290 $58,263
Total Monthly Payment $43,632 $44,751 $60,724

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.