Secluded Harbour

Canal-front single-family · Siesta Key, Sarasota County · ZIP 34242

A small canal-front boating enclave on Siesta Key, where the dock and the flood read set the value.

Deepwater boating accessSiesta Key barrier islandFlood and seawall read

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

Secluded Harbour is a small enclave, so the honest read is by the specific parcel: the canal frontage, the dock and seawall condition, the flood zone, and the insurance number, not a Siesta Key average.

Free · No obligation

Unlock Off-Market Secluded Harbour

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

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Median Price

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Supply

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Avg DOM

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Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Distress

Jon's Current Read

"Secluded Harbour is a small canal-front pocket on Siesta Key, so the read is different from a large master plan: a handful of single-family homes with boat docks and no-bridge access toward Sarasota Bay and the Gulf, where the water frontage, the seawall, the flood zone, and the insurance math drive the number far more than the name. Siesta Key is a barrier island, much of it in FEMA high-risk flood areas, and Hurricane Milton made landfall here in October 2024, so storm surge history, the 50 percent substantial-improvement rule, and elevation belong at the center of diligence. Your leverage is reading the seawall, the dock, the flood zone, and the insurability of a specific home honestly before you price the water view."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Secluded Harbour is a small canal-front single-family enclave on Siesta Key, the Sarasota County barrier island known for its quartz-sand beach. The homes here sit on dredged canals with private boat docks and deepwater, no-bridge access toward Sarasota Bay and the Gulf, which is the core of the value (listing descriptions on Stellar MLS member sites, 2025 to 2026; locallifehomes.com).

Siesta Key is a barrier island, and much of it falls within FEMA Special Flood Hazard Areas, with the highest-risk VE wave-action zones on the Gulf-front side and AE zones along the bay and canals (Sarasota flood-zone guides, 2025 to 2026). Hurricane Milton made landfall near Siesta Key as a major hurricane in October 2024 with significant storm surge, which puts surge history, elevation, and the 50 percent substantial-improvement rule at the center of any purchase here (WUSF, October 2024).

Because this is a small enclave of individual waterfront homes rather than a uniform subdivision, the money is made or lost on the specific parcel: the canal frontage and depth, the seawall and dock condition, the flood zone and base flood elevation, and the insurance quote, not a Siesta Key headline.

The pitch is the boating lifestyle and the Siesta Key address: a private dock, quick water access, and proximity to the island's beaches and village. The work is reading the seawall, the dock, the elevation, and the flood and insurance math on the exact home before you fall for the water view.

Quick Match

Who Secluded Harbour is best for.

Best for

Boating buyers who want a private dock with no-bridge water access
Buyers who want a Siesta Key address on a quieter canal pocket
Buyers comfortable budgeting barrier-island flood insurance and elevation
Buyers who will read the seawall, dock, and flood zone before the finishes

Probably not for

Buyers who want a large gated, amenity-dense master plan
Anyone unwilling to verify flood zone, elevation, and insurance per parcel
Buyers uneasy with barrier-island storm surge and hurricane history
Buyers who want low carrying cost and minimal insurance exposure

Market Pulse

How Secluded Harbour is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

24Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 30, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Secluded Harbour listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Siesta Key or Sarasota. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Secluded Harbour buys, holds, and resells. See the five factors.

Interactive Map

Secluded Harbour on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

Secluded Harbour trades barrier-island flood and insurance exposure for a private dock, no-bridge water access, and a Siesta Key address minutes from the beach and village.

Drive times from Secluded Harbour on Siesta Key. They are approximate and vary with traffic, which is heavy in peak season, and with your exact parcel.

Siesta Beach~5 to 10 min · quartz-sand beach on the key

Siesta Key Village~5 to 10 min · shops and dining

Sarasota Bay (by boat)~min by water · no-bridge access

Downtown Sarasota~15 to 25 min · off-island via the bridges

St. Armands Circle~20 to 30 min · shopping and dining

Sarasota Memorial Hospital~15 to 20 min · main hospital

Sarasota Bradenton Airport (SRQ)~25 to 35 min · via US 41

Distances and drive times are approximate and vary with traffic and your exact parcel. Confirm your real commute and water access at your real departure point.

Nearby Communities

Explore more neighborhoods near Secluded Harbour with Momentum Realty’s local guides.

GBGulf and Bay Club BaysideSiesta Key, FL · 0.3 mi SHSiesta Harbor ISarasota, FL · 0.3 mi SBSarasota BeachSarasota, FL · 0.3 mi SKSiesta KeySarasota, FL · 0.4 mi SVSea VillageSarasota, FL · 0.5 mi WSWhite Sands VillageSarasota, FL · 0.5 mi ASThe Anchorageon Siesta KeySarasota, FL · 0.5 mi SILa SiestaSarasota, FL · 0.7 mi

Crystal SandsSarasota, FL · 0.8 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Secluded Harbour (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Sarasota County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Secluded Harbour is served by Sarasota County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Sarasota County Public Schools (verify by address)

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Secluded Harbour address.

The takeaway

What is actually shaping value around Secluded Harbour and Siesta Key: the post-Milton storm-surge and insurance reality on the barrier island, FEMA flood-zone and substantial-improvement rules, and steady demand for Siesta Key waterfront with boating access. Each item is sourced and linked.

Recent Developments in Secluded Harbour

Development Intelligence

Our read on what is being built around Secluded Harbour, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishSiesta Key waterfront demand stays strong on the address and the boating access, with the watch items being barrier-island insurance cost and how the post-Milton surge and substantial-improvement rules shape renovation and rebuild decisions.

Hurricane Milton landfall near Siesta Key (Oct 2024)

2024

BearishMajor impact

SignificanceRadius: Island

The October 2024 major-hurricane landfall and surge put elevation, surge history, and the substantial-improvement rule at the center of every purchase on the key.

Barrier-island flood and wind insurance cost

Ongoing

BearishMajor impact

SignificanceRadius: Island

Flood and wind premiums on a waterfront home can be substantial and must be quoted on the exact address, since they are the dominant carrying cost here.

FEMA high-risk flood zones across the key

Ongoing

NeutralNotable impact

SignificanceRadius: Island

VE wave-action zones on the Gulf side and AE zones along the bay and canals make the FEMA zone and base flood elevation essential diligence per parcel.

Deepwater no-bridge boating access

Ongoing

BullishNotable impact

SignificanceRadius: Enclave

Private docks with no-bridge access toward Sarasota Bay and the Gulf are the core value driver for canal homes in this enclave.

Steady demand for Siesta Key waterfront

Ongoing

BullishNotable impact

SignificanceRadius: Island

The Siesta Key address and the boating lifestyle keep waterfront demand resilient despite the insurance and flood overhead.

Seawall and dock replacement cost

Ongoing

NeutralNotable impact

SignificanceRadius: Enclave

Aging seawalls and docks are major-cost items on canal homes, so condition and reserves must be read per parcel.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Secluded Harbour, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

October 2024
Storm
Hurricane Milton makes landfall near Siesta Key
Hurricane Milton came ashore near Siesta Key in October 2024 as a major hurricane, with storm surge and wind impacts across the Sarasota barrier islands, sparing some areas the worst but reshaping the surge and insurance conversation on the key. Why it matters: The landfall makes surge history, elevation, and the substantial-improvement rule central to any waterfront purchase on Siesta Key. Source
January 2026
Market
Siesta Key flood-insurance reality framed for 2026 buyers
Local market guides detail how FEMA flood zones, elevation, and barrier-island insurance costs shape what it takes to own on Siesta Key, with separate flood policies required and premiums varying widely by zone and elevation. Why it matters: The insurance and flood-zone math is now a primary underwriting question for any Siesta Key waterfront buyer, not an afterthought. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Secluded Harbour buying strategy.

If we were buying in Secluded Harbour, this is the order of operations we would run, and the one we run for our clients.

Read the flood zone and elevation first. Siesta Key is largely in FEMA high-risk areas, so pull the zone and base flood elevation for the exact parcel before anything else.

Quote the insurance early. Flood and wind premiums on a barrier-island waterfront home can be substantial, so get a real quote on the specific address, not an estimate.

Inspect the seawall and dock. On a canal home the seawall and dock are major-cost items, so confirm their age and condition and budget for replacement.

Check the substantial-improvement math. If a flood-zone home is damaged or you plan a major renovation, the 50 percent rule can force elevation, so understand it going in.

Use the island context, and cross-shop the broader Siesta Key market if a different canal or location fits the boating plan better.

The Quick Decision

Best Buy

A higher-elevation canal home with a sound seawall, deep frontage, and a quotable insurance number

Biggest Risk

Underbudgeting flood insurance, seawall and dock replacement, or substantial-improvement elevation

Best Lot

A deeper, well-maintained canal frontage with no-bridge access and a higher base flood elevation

Smart Timing

Confirm the flood zone, elevation, and insurance quote before you offer

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Secluded Harbour is a small canal-front pocket on Siesta Key rather than an amenity community, so the lifestyle is the boating access and the island itself: a private dock with no-bridge water access toward Sarasota Bay and the Gulf, and proximity to Siesta Key's quartz-sand beaches, village shops, and dining. There is no large clubhouse or gated amenity package here; the draw is the water and the location. Confirm the specific parcel's water access, seawall, and flood picture before you buy.

Secluded Harbour Homes For Sale

What your money buys in Secluded Harbour.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Secluded Harbour today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Canal Entry

An older canal-front home that needs updating, where the value is the lot, the frontage, and the dock, and the work is condition, seawall, and flood diligence.

Lowest entry

The Updated Waterfront

A renovated canal home with a sound seawall and dock and deep, no-bridge access, the heart of the waterfront resale market here.

Most inventory

The Top

A larger or fully rebuilt waterfront home on premium frontage with strong elevation and a defensible insurance picture, the stock that holds value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Canal Entry

An older canal-front home that needs updating, where the value is the lot, the frontage, and the dock, and the work is condition, seawall, and flood diligence.

The Updated Waterfront

A renovated canal home with a sound seawall and dock and deep, no-bridge access, the heart of the waterfront resale market here.

The Top

A larger or fully rebuilt waterfront home on premium frontage with strong elevation and a defensible insurance picture, the stock that holds value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Secluded Harbour, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Secluded Harbour is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Secluded Harbour holds value.

Our read on the factors that protect resale here, and the one to manage.

Location on Siesta KeyStrong

Boating access and frontagePositive

Seawall and dock conditionVerify per home

Flood zone and elevationVerify per address

Insurance and carrying costQuote per parcel

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Secluded Harbour

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Secluded Harbour is a small Siesta Key boating pocket. The deal is won or lost on the seawall, the dock, the flood zone, and the insurance math, not the address alone.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.4B+ · Buy Score

Resale Strength7.8/10

Renovation Risk6.0/10

Location Efficiency8.6/10

Long-Term Defensibility8.0/10

Carrying Cost Advantage5.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Secluded Harbour is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

Deeper, well-maintained canal frontage holds value
Verify the FEMA flood zone and base flood elevation
Higher elevation reduces surge and insurance exposure
Confirm no-bridge access and canal depth for your boat
Read the seawall, dock, and flood picture before the finishes

On Siesta Key the parcel and its water frontage are the part of your money the market protects. Deeper, well-maintained canal frontage with no-bridge access, a sound seawall, and a higher base flood elevation holds value better than shallow, bridged, or lower-lying frontage. The house can be renovated; the flood zone, the elevation, and the canal cannot. Read the parcel, the seawall, and the flood map first, then price the condition of the home against it.

The 15-Second Verdict

Secluded Harbour in 15 seconds.

Best forBoating buyers who want a private dock and no-bridge access on a quieter Siesta Key canal.

Biggest advantageDeepwater boating access toward Sarasota Bay and the Gulf plus the Siesta Key address.

Biggest riskBarrier-island flood, surge, and insurance, plus seawall and dock replacement cost.

Sweet spotA higher-elevation canal home with a sound seawall and a quotable insurance number.

Avoid ifYou want a large gated master plan or low carrying cost and minimal insurance exposure.

HOA, CDD & Fees

15-Second Take

Small enclave, any HOA tends to be light, confirm per parcel
Verify there is no CDD line on the tax bill
The big carrying cost is flood and wind insurance
Flood zone and elevation are parcel specific, check FEMA
Budget seawall and dock reserves on a canal home

Secluded Harbour is a small platted enclave of individual waterfront homes rather than a heavily amenitized association, so any HOA structure tends to be light or absent. Confirm whether a mandatory HOA exists and the exact dues for the specific parcel, and verify there is no CDD line on the tax bill.

Where any association exists in a small canal enclave, it typically covers only minimal common items if any; there is no large clubhouse or amenity package here. The real carrying cost on a barrier-island waterfront home is the flood and wind insurance, not association dues.

Run Your Numbers

Tools for a Secluded Harbour buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxSarasota County millage and the homestead picture.Rent vs buyThe breakeven on owning in Secluded Harbour.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Secluded Harbour

Price it to the canal frontage, seawall, flood zone, and insurance number, not a Siesta Key average.

Selling in Secluded Harbour means pricing to your specific parcel and its water frontage, not to a Siesta Key average that mixes Gulf-front, bay-front, and interior homes. The seawall and dock condition, the flood zone and elevation, and the insurability are what set your number.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Secluded Harbour, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Siesta Key, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Secluded Harbour home worth?

Get a no-obligation home value based on real comparable sales in Secluded Harbour matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Secluded Harbour on the map →
Or get your Secluded Harbour home value & selling guide →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Secluded Harbour year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Sarasota County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,609/mo

Sarasota County typical true cost to own

$110/mo

Sarasota County typical home insurance

No CDD

No community development district bond

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Sarasota County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Secluded Harbour Market Scorecard

Strong seller's market

Secluded Harbour is currently a strong seller's market. About 1.8 months of supply, a median asking price of $1,019,500, and homes go under contract in about 58 days.

1.8

Months supply

$1,019,500

Median list

$847,500

Median sold

$313

Per sqft

Days on mkt

6/8/41

Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Secluded Harbour?

Secluded Harbour is a small canal-front single-family enclave on Siesta Key, the Sarasota County barrier island, in ZIP 34242, with private boat docks and water access toward Sarasota Bay and the Gulf.

What kind of homes are in Secluded Harbour?

It is a small enclave of single-family canal-front homes with private boat docks. Because it is a pocket of individual waterfront homes, condition, frontage, and flood exposure vary parcel by parcel.

Does Secluded Harbour have boating access?

Yes. Homes here sit on dredged canals with private docks and no-bridge, deepwater access toward Sarasota Bay and the Gulf, which is the core of the value. Confirm the depth and any bridge clearances for your boat on the specific parcel.

Is Secluded Harbour in a flood zone?

Much of Siesta Key is in FEMA Special Flood Hazard Areas, with high-risk VE wave-action zones on the Gulf side and AE zones along the bay and canals. Always pull the FEMA flood zone and base flood elevation for the exact address (Sarasota flood-zone guides, 2025 to 2026).

How much is flood insurance on Siesta Key?

Barrier-island flood premiums vary widely by zone, elevation, and value, and on a waterfront home they can be substantial. Standard homeowners insurance does not cover flood, so a separate policy is required. Always get a real quote on the specific address.

Did Hurricane Milton hit Siesta Key?

Yes. Hurricane Milton made landfall near Siesta Key as a major hurricane in October 2024 with significant storm surge (WUSF, October 2024). Surge history and elevation belong at the center of any purchase on the key.

What is the substantial-improvement rule?

Under FEMA and local rules, if a flood-zone home is damaged or improved by 50 percent or more of its market value, it generally must be brought up to current flood code, which can include elevating the structure. Understand this before buying or renovating here.

Do I need to inspect the seawall and dock?

Yes. On a canal home the seawall and dock are major-cost components. Confirm their age and condition during diligence and budget for repair or replacement, which can be significant.

Does Secluded Harbour have an HOA?

It is a small enclave of individual waterfront homes, so any HOA tends to be light or absent. Confirm whether a mandatory HOA exists, the exact dues, and that there is no CDD line for the specific parcel.

What schools serve Siesta Key?

Siesta Key is part of Sarasota County Schools and has no public school on the island. It is generally zoned for Phillippi Shores Elementary, Brookside Middle, and Sarasota High, but assignment is by address and can change, so confirm the zoned schools for any specific home.

How far is Secluded Harbour from Siesta Beach?

Siesta Beach and the village are a short drive within the key. Exact drive times depend on the parcel and seasonal traffic, which is heavy in peak months on Siesta Key.

Is Secluded Harbour a good investment?

Waterfront with boating access on Siesta Key holds appeal, but this is a barrier-island market where flood, surge, insurance, and seawall cost drive the outcome. As with any coastal waterfront, those carrying and risk factors must be read per home; this is not a guarantee of future value.

Why does pricing vary so much on Siesta Key?

Because the island spans Gulf-front, bay-front, and interior canal homes with very different flood zones, elevations, and water access. The specific frontage and the flood read, not the Siesta Key name, set the price.

What should I verify before buying here?

The FEMA flood zone and base flood elevation, a real flood and wind insurance quote, the seawall and dock condition, the canal depth and no-bridge access, and any HOA or CDD lines, all for the exact parcel.

Who is the best real estate agent for Secluded Harbour?

The best agent for Secluded Harbour is one who actively works Sarasota and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Secluded Harbour.

How do I find a top Sarasota real estate agent who knows Secluded Harbour?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Secluded Harbour and the wider Sarasota area.

Can Momentum Realty connect me with an agent for Secluded Harbour?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Secluded Harbour purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Secluded Harbour?

An honest fit check. We will tell you when it is not your community.

Boating buyers who want a private dock with no-bridge water accessExcellent fit

Buyers who want a Siesta Key address on a quieter canal pocketExcellent fit

Buyers comfortable budgeting barrier-island flood and wind insuranceExcellent fit

Buyers who will inspect the seawall, dock, and elevation per homeExcellent fit

Buyers who read flood zone, surge history, and insurance before offeringExcellent fit

Buyers who want one large gated, amenity-dense master planProbably not

Anyone unwilling to verify flood zone, elevation, and insurance per parcelProbably not

Buyers uneasy with barrier-island storm surge and hurricane historyProbably not

Buyers who want low carrying cost and minimal insurance exposureProbably not

Buyers unwilling to budget seawall and dock replacement on a canal homeProbably not

Get the inside read on Secluded Harbour

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Secluded Harbour home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Secluded Harbour specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Secluded Harbour - what to look for, questions to ask, and your local expert.

Secluded Harbour median home price history from 2012 to 2026, chart by Momentum Realty — Median sale price in Secluded Harbour, Florida by year (2012 to 2026). Source: Momentum Realty.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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; deemed reliable but not guaranteed by MLS GRID.

Secluded Harbour

The 60-Second Overview

Who Secluded Harbour is best for.

Best for

Probably not for

How Secluded Harbour is performing right now

Secluded Harbour on the map.

How far is everything?

Nearby Communities

Schools

Sarasota County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Secluded Harbour

Hurricane Milton landfall near Siesta Key (Oct 2024)

Barrier-island flood and wind insurance cost

FEMA high-risk flood zones across the key

Deepwater no-bridge boating access

Steady demand for Siesta Key waterfront

Seawall and dock replacement cost

Hurricane Milton makes landfall near Siesta Key

Siesta Key flood-insurance reality framed for 2026 buyers

The Secluded Harbour buying strategy.

The full read, only if you want it.

What your money buys in Secluded Harbour.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Secluded Harbour holds value.

5 Mistakes Buyers Make in Secluded Harbour

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Secluded Harbour is different.

Which Lots & Views Hold Value Best

Secluded Harbour in 15 seconds.

HOA, CDD & Fees

Tools for a Secluded Harbour buy.

Price it to the canal frontage, seawall, flood zone, and insurance number, not a Siesta Key average.

In Secluded Harbour, condition and view decide your number

What is your Secluded Harbour home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Secluded Harbour Market Scorecard

Frequently Asked Questions

Should you buy in Secluded Harbour?

Get the inside read on Secluded Harbour

You are all set.

Need to sell fast in Sarasota County?

You just read the data. Now see what your home is worth.

More Sarasota & Sarasota County guides