1340 HARBOR DRIVE, SARASOTA, FL, 34239
Active176 days on marketListed Jan 28, 2026MLS #A4680096
About this home
1340 HARBOR DRIVE
Under Construction. Superb New Construction opportunity in Harbor Acres, a one-third-acre waterfront property on the widest part of the neighborhood's deep-water harbor on Sarasota Bay. The views are great and the home is located on a protected, sailboat water basin with no bridges to the Gulf of Mexico. Newer boat dock and boat lifts accommodate up to 15,000-pound boat plus two recreational water craft, making easy access to Sarasota's waterways and the gulf, AND the home was designed by one of the BEST architectural firms, MHK, and under construction by one of the BEST waterfront builders, Voigt Brothers. The floor plan is amazing and the home is available for purchase during the construction phase, which makes it easy for future owners to modify the interior plans to their desires and choose their finishes. Harbor Acres is considered one of the best neighborhoods in Sarasota— and speaking of BEST, it has it all….location, waterfront, appreciation, neighbors. A close-knit community that is close to Downtown Sarasota and in-town amenities yet a half mile to Sarasota Memorial Hospital and Southside Village shops and restaurants. Call for floor plans or to walk the property.
Facts & features
The home at a glance
4
Bedrooms
6
Bathrooms
5,157
Sqft
0.35 ac
Lot size
3
Garage
1950
Year built
Two
Levels
$2,132
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$65,570 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$65,570/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs HARBOR ACRES
$2,132 vs $1,164
Days on market
176 vs 58 typical
Where $2,132/sqft sits among the 8 homes for sale in HARBOR ACRES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Harbor Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Sarasota. See the full Sarasota guide →
Harbor Acres — neighborhood snapshot
Population
353
Median age
65
Median income
$139,659
Median home value
$1,145,800
Avg household
2
Households w/ children
23%
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sarasota market
$470K → $470K
Sarasota median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
4 of 8
HARBOR ACRES have cut their price
Median sold price, Sarasota, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1592% above the SARASOTA 34239 median. See the full Sarasota market guide →
Paper trail
This home's history
Reality check
What actually sold near 1340 HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$9,280,000
1333 VISTA DRIVE · same community
5 bd · 5.5 ba · 5,844 sqft · $1,588/sqft · 122 DOM
Sold · May ’26$3,625,000
1349 HARBOR DRIVE · same community
4 bd · 4 ba · 4,337 sqft · $836/sqft · 96 DOM
Sold · Feb ’26$1,500,000
1395 HARBOR DRIVE · same community
6 bd · 5.5 ba · 4,326 sqft · $347/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1340 HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1340 HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
1340 HARBOR DRIVE FAQs
What would the monthly payment be for 1340 HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $65,570/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1340 HARBOR DRIVE?+
The most recent tax bill on record (2024) was $23,499. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1340 HARBOR DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Sarasota?+
At $10,995,000, this home is listed about 1829% above the Sarasota median of $570,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1340 HARBOR DRIVE?+
Sarasota High School (high), Southside Elementary School (elementary), Brookside Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$10,995,000 runs 1592% above the SARASOTA 34239 median — but at 5,157 sqft it's also nearly 3 times the size of the typical Sarasota listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
176 days on market against a Sarasota median of 58 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sarasota High School, Southside Elementary School, Brookside Middle School — Southside Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Barbara May. MLS #A4680096.
IDX information 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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