Longboat Key, FL
Emerald Harbor
A north-end bayside enclave built along some of the island's widest deep-water canals, with bridge-free runs to Sarasota Bay and the Intracoastal, and deeded beach access across Gulf of Mexico Drive. Serious boating with the sand still in reach. The neighborhood is platted for more lots than currently carry a house, so buildable waterfront still turns up here, which is rare on Longboat Key. The county roll assesses 62 units across 2 plats, built 1968 to 2021, in Manatee County.
Price Range
Est. $1M to $5M
Home Types
Single-family (waterfront)
Total Homes
62 units
Amenity Level
Low
HOA (Yearly) Est.
$600 - $750
CDD (Yearly) Est.
None
Flood Zone
AE
Fee estimates may vary by lot size and sub-association. View all community fees →
Amenities & lifestyle
- Wide deep-water canals (bridge-free)
- Deeded beach access
Michael’s Take
County roll: 62 units, built 1968 to 2021, assessed in Manatee County. Recorded across 2 separate plats, so confirm which one a listing sits in. No CDD; Longboat Key carries none.
How Emerald Harbor compares
From the county records
$1,900,000
Median of 13 recorded sales since October 2023, the middle eighty percent between $1,450,000 and $2,600,000.
49%
Of the 78 finished houses here carry a homestead exemption, which reads as a mix of full-time and seasonal owners.
Newest building completed 2025. The roll records no completions here in the last three years, so this is a built-out community rather than one still being delivered.
Arm’s-length sales recorded with Sarasota County, read October 2026. Quitclaims, foreclosures, family transfers and pre-construction sales are excluded. Homestead requires the property to be a permanent residence, so the share carrying one is a strong proxy for how many owners live here full time, not a census of them.
At an estimated $675 a year in combined HOA and CDD, Emerald Harbor sits about 97% below the Longboat Key median of $20,000, ranking 2 of the 62 Longboat Key communities whose fees this site tracks. There is no CDD assessment here, which is what keeps that figure down.
Estimates from the same dataset behind the fee pages and the True Cost Index. Fees vary by lot size and sub-association, and change with each budget.
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Emerald Harbor FAQ
How much do homes in Emerald Harbor cost?+
Homes in Emerald Harbor are generally priced in the Est. $1M to $5M range. Pricing moves with the market and varies by floor plan, lot, and incentives, so reach out for the most current numbers.
What kind of homes are in Emerald Harbor?+
Emerald Harbor offers single-family (waterfront). As single-family housing, the roof, the exterior and the insurance on the structure are yours rather than an association's, which is the main practical difference from a villa or condominium. What a specific home includes, and what the association maintains, is set out in that community's documents and is worth reading before an offer rather than after.
What amenities does Emerald Harbor have?+
Emerald Harbor offers Wide deep-water canals (bridge-free), Deeded beach access. Worth separating two things that often get blurred together: amenities the HOA maintains and which every owner pays for, and club or golf facilities that may require a separate membership on top. Which category each amenity falls into determines your actual annual cost, and it is set out in the community documents rather than in any listing.
What have homes in Emerald Harbor actually sold for?+
13 arm's-length sales have been recorded in Emerald Harbor since October 2023, at a median of $1,900,000. The middle eighty percent of those sales fell between $1,450,000 and $2,600,000, which is a better guide to the range than the extremes. These are prices recorded with Sarasota County, not asking prices, so they describe what buyers and sellers actually agreed. Figures read October 2026; quitclaims, foreclosures and family transfers are excluded.
Do people live in Emerald Harbor year round?+
49% of the 78 finished homes in Emerald Harbor carry a homestead exemption, which Florida grants only on an owner's permanent residence. That reads as a mix of full-time and seasonal owners. It is a strong proxy rather than a census, since an owner who lives there but never filed does not appear in it, but it is the most direct public signal of how occupied a community is outside the winter.
Is Emerald Harbor still being built?+
The most recent home the county records in Emerald Harbor was completed in 2025, across 118 platted parcels of which 78 carry a finished home. The county records no completions here in the last three years, so Emerald Harbor is built out and what trades is resale rather than new construction. Build year matters more in Florida than buyers expect, because insurers weight roof age heavily and it drives what a property costs to carry rather than just what it costs to buy.
Does Emerald Harbor have an HOA or CDD fee?+
Emerald Harbor has an HOA fee estimated at $600 - $750 yearly, and the fee data for this community records no CDD assessment. That matters more than it sounds: a CDD is a bond repayment attached to the land and billed with your property taxes, so its absence is a permanent annual difference against communities that carry one. Figures are estimates and vary by home, so confirm them for the specific address before relying on them.
What flood zone is Emerald Harbor in?+
The flood zone recorded for Emerald Harbor is AE. Zones beginning A or V are the higher-risk categories, where a federally backed mortgage generally requires flood insurance, while zone X is lower risk and coverage is usually optional. Flood zone is assigned per property rather than per community though, and elevation can change both the requirement and the premium substantially, so get the zone and the elevation certificate for the exact address rather than relying on a community-level figure.