203 N HARBOR DRIVE, HOLMES BEACH, FL, 34217
Active292 days on marketListed Jan 19, 2026MLS #A4678835
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About this home
203 N HARBOR DRIVE
A FRESH NEW LOOK. AN EXCEPTIONAL WATERFRONT OPPORTUNITY. Experience exceptional coastal living in this beautifully updated 5BR/3.5BA waterfront retreat on Anna Maria Island, just a 3-minute stroll to the sugary white sands of Holmes Beach. Freshly painted inside and out, this turnkey property showcases a stunning newly resurfaced lagoon-style pool and spa with elegant new tile, updated kitchen countertops, designer lighting, select new furnishings, new backyard pavers, and a brand-new expansive waterfront deck. The private dock offers direct water access with frequent manatee sightings, while the spectacular rooftop deck captures breathtaking panoramic views of both the Gulf and Bay. Inside, you'll find three king bedrooms, two queen bedrooms, spacious open-concept living areas, a chef-inspired kitchen with wine refrigerator, and seamless indoor-outdoor entertaining spaces designed for effortless island living. A dedicated game room provides the perfect gathering space for family fun and entertainment after a day at the beach. Currently operating as a successful vacation rental with proven income history and strong future booking potential, this property offers the perfect blend of luxury, lifestyle, and investment opportunity. Whether you're searching for a primary residence, second home, or income-producing island getaway, this exceptional waterfront retreat delivers the very best of Anna Maria Island living. Rarely does a waterfront property with this level of updates, location, amenities, and income potential come to market. Schedule your private showing today and discover one of Anna Maria Island's best waterfront values.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,636
Sqft
0.14 ac
Lot size
2
Garage
2011
Year built
Three Or More
Levels
$1,136
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.
$23,745 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$23,745/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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.
vs edgeAI estimate
+21.6%
$/sqft vs Holmes Beach actives
$1,136 vs $869
Days on market
292 vs 73 typical
Where $1,136/sqft sits among the 89 Holmes Beach actives
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 Holmes Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Holmes Beach. See the full Holmes Beach guide →
HOLMES BEACH 34217 — neighborhood snapshot
Population
3,676
Median age
69.4
Median income
$80,972
Median home value
$657,400
Avg household
1.71
Households w/ children
118
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Holmes Beach market
$826K → $862K
Holmes Beach median sold, yr/yr
93.4%
Sale-to-list ratio (12 mo)
43 of 89
Holmes Beach actives have cut their price
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 150% above the Holmes Beach median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 203 N 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 · Jul ’26$2,737,500
243 S HARBOR DRIVE · same community
4 bd · 4.5 ba · 2,016 sqft · $1,358/sqft · 111 DOM
Sold · Aug ’26$1,165,000
262 S HARBOR DRIVE · same community
3 bd · 2 ba · 1,500 sqft · $777/sqft · 45 DOM
Sold · Sep ’26$3,800,000
201 N HARBOR DRIVE · same community
5 bd · 4 ba · 3,928 sqft · $967/sqft · 71 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 203 N HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 N HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
203 N HARBOR DRIVE FAQs
What would the monthly payment be for 203 N HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $23,745/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 203 N HARBOR DRIVE?+
The most recent tax bill on record (2024) was $43,372. 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 203 N 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 Holmes Beach?+
At $2,995,000, this home is listed about 150% above the Holmes Beach median of $1,197,500. The market section on this page shows how the area is trending.
Which schools are assigned to 203 N HARBOR DRIVE?+
Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$2,995,000 runs 150% above the Holmes Beach median — but at 2,636 sqft it's also nearly twice the size of the typical Holmes Beach 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
292 days on market against a Holmes Beach median of 73 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Anna Maria Elementary School, Martha B. King Middle School, Bayshore High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,500,000, now $2,995,000 — a $505K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BLUESRQ REAL ESTATE INC · Shauna Ruby. MLS #A4678835.
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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