Costs of owning

What it really costs to own in Florida.

Windward Bay HOA fees

Longboat Key, Manatee County · 34228

Homes in Windward Bay (Longboat Key) pay a median $15,660 a year in condo association dues, about $1,305 a month, based on 9 listings. Half fall between $15,660 and $15,672. None of the listings we reviewed report a CDD.

HOA, median
$15,660/yr
About $1,305 a month
CDD, median
None reported
Property tax, median
$7,385/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$1,920
HOA + tax at the medians

HOA by home type

Townhomes and villas$15,660/yr3 listings
Condos$15,660/yr6 listings

Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.

What the dues cover

  • Cable TV100% of listings
  • Escrow Reserves Fund100% of listings
  • Sewer100% of listings
  • Trash100% of listings
  • Common Area Taxes89% of listings
  • Pool89% of listings

Amenities listed: Clubhouse, Elevators, Fitness Center, Pickleball Court(s), Pool, Recreation Facilities.

Live inventory

For sale in Windward Bay right now

5 active listings

4600 Gulf Of Mexico Dr #301
ActivePrice reduced
Condo for sale
$660,000
$10k
2 bed2 bath1,561 sqft21.13 acre lot
4600 Gulf Of Mexico Dr #301
Longboat Key, FL, 34228
Brokered by FUTURE HOME REALTY INC
4800 Gulf Of Mexico Dr #PH 3
ActivePrice reduced
Condo for sale
$795,000
$5k
2 bed2 bath1,312 sqft26 acre lot
4800 Gulf Of Mexico Dr #PH 3
Longboat Key, FL, 34228
Brokered by VRI HOMES
4720 Gulf Of Mexico Dr #Villa 2
ActivePrice reduced
House for sale
$585,000
$14k
2 bed2 bath912 sqft26 acre lot
4720 Gulf Of Mexico Dr #Villa 2
Longboat Key, FL, 34228
Brokered by PREMIER SOTHEBY'S INTERNATIONAL REALTY
4750 Gulf Of Mexico Dr #Villa 8
ActivePrice reduced
House for sale
$680,000
$170k
3 bed2 bath1,504 sqft26.67 acre lot
4750 Gulf Of Mexico Dr #Villa 8
Longboat Key, FL, 34228
Brokered by COLDWELL BANKER REALTY
4500 Gulf Of Mexico Dr #206
ActivePrice reduced
Condo for sale
$769,000
$9k
2 bed2 bath1,523 sqft26.67 acre lot
4500 Gulf Of Mexico Dr #206
Longboat Key, FL, 34228
Brokered by COLDWELL BANKER REALTY
See all 5 Windward Bay homes

Windward Bay cost questions

How much are HOA fees in Windward Bay?

Homes in Windward Bay (Longboat Key) pay a median $15,660 a year in condo association dues, about $1,305 a month, based on 9 listings. Half fall between $15,660 and $15,672.

Does Windward Bay have a CDD?

None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.

What does it cost each month to own in Windward Bay, before the mortgage?

HOA and property tax come to about $1,920 a month at the medians (property tax median $7,385 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.

Where do these numbers come from?

Stellar MLS via Repliers listings in Windward Bay from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.

Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 9 addressesin subdivisions matching “WINDWARD BAY”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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