1571 HARBOR CAY LANE, Longboat Key, FL, 34228 | $4,550,000

Experience the ultimate in luxury coastal living in this 4, 209-square-foot stunning waterfront home, perfectly situated in the highly sought-after, gated Bay Isles Harbor Section—an exclusive boating community with only 67 custom residences on south Longboat Key.
Designed for elegance and comfort, this timeless 4-bedroom, 3. 5-bath estate welcomes you with a dramatic open main living area featuring soaring 23-foot ceilings filled with natural light, rich oak flooring, custom lighting and a gas/wood-burning fireplace. Expansive walls provide the perfect showcase for fine artwork, while the spacious living and dining areas flow seamlessly into a warm family room and a chef’s dream kitchen.
The gourmet kitchen is equipped with custom mahogany cabinetry, premium stainless-steel appliances including an induction cooktop, a large island topped with quartzite countertops, and a bright breakfast area overlooking the pool and waterway.
Sliding glass doors lead to your private outdoor oasis—a massive 28-foot saltwater pool with solar heating and a partially covered patio with heat-resistant coral stone tile.
The luxurious master suite offers two walk-in closets, a sitting area or office, and a spa-inspired bathroom with translucent onyx walls and flooring, a soaking tub, and an oversized shower. Additional features include a large laundry and craft room, an oversized two-car garage with workbench, hurricane-impact windows and doors, reinforced garage doors, and a brand-new concrete tile roof.
A beautifully landscaped circular drive welcomes guests, while the deep-water bayou behind the home provides direct access to Sarasota Bay—ideal for boating enthusiasts.
Residents of Bay Isles enjoy 24-hour gated security, membership to the Bay Isles Beach Club, and close proximity to the Longboat Key Club, St. Armands Circle, world-class dining, shopping, and the brand-new five -star St. Regis Longboat Key Resort.
This exceptional property offers the best of luxury, privacy, and the coveted waterfront lifestyle on Florida’s Gulf Coast.

Features

  • Amenities: Gated, Maintenance, Recreation Facilities, Security
  • Rooms: 3
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Electric Dryer Hookup, Inside, Washer Hookup
  • Style: Contemporary, Elevated
  • Year Built: 1987
  • Garage: 2-car Circular Driveway, Driveway, Electric Vehicle Charging Station(s), Garage Door Opener, Guest, Oversized, Workshop in Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 4,209
  • Acreage: 0.59
  • Est. Taxes: $16,980
  • Lot Desc: Corner Lot, Flood Insurance Required, FloodZone, Landscaped, Near Golf Course, Near Marina, Oversized Lot
  • View: Garden, Pool, Water
  • Water Front: Yes
  • Elem. School: Southside Elementary
  • Middle School: Booker Middle
  • High School: Booker High
  • Pool: Auto Cleaner, Child Safety Fence, Chlorine Free, Gunite, Heated, In Ground
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Refrigerator
  • MLS#: A4666688
  • Days on Market: 124 days
  • Website: https://www.raveis.com
    /eprop/A4666688/1571harborcaylane_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 5/27/2026 2:47:07 PM)
Listing courtesy of MICHAEL SAUNDERS & COMPANY   Phone: 941-388-4447

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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1571 HARBOR CAY LANE, Longboat Key, FL, 34228

$4,550,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $3,640,000 $3,640,000 $3,640,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.361% 6.203%
Monthly Tax Payment $1,415 $1,415 $1,415
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $21,824 $22,412 $30,716
Total Monthly Payment $23,364 $23,952 $32,256

* 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.