403 63RD STREET, HOLMES BEACH, FL, 34217
Active97 days on marketListed Aug 3, 2026MLS #A4701989
About this home
403 63RD STREET
A RARELY FOUND BLEND OF COASTAL LUXURY, THOUGHTFUL RECONSTRUCTION & ISLAND LIVING! Welcome to 403 63rd Street, a beautifully reimagined villa in desirable Seaside Gardens, where the best of Anna Maria Island is right outside your door. Close to the world-renowned Gulf beaches, famous for their sugar-white sand, turquoise waters and spectacular sunsets, this turnkey coastal retreat places you near the island's beloved restaurants, cafés, shops, marinas and endless outdoor adventures. Whether you're seeking a private island escape, a second home or a vacation-rental opportunity, this exceptional property delivers the quintessential Holmes Beach lifestyle. What truly sets this home apart is the depth of the renovation. This is far more than a cosmetic remodel—the home has been thoughtfully rebuilt with an emphasis on quality, modern infrastructure, accessibility and long-term ownership. Major improvements include a complete rewire of the entire home with a brand-new electrical panel(2025); electrical outlets thoughtfully raised approximately four feet above floor level (2025); brand-new PEX plumbing throughout (2025), with plumbing routed through the attic for improved accessibility and easier future maintenance (2025); brand-new sewer lines throughout (2025); a brand-new HVAC system with new ductwork (2025); an elevated condenser approximately five feet above ground (2025); and a brand-new 40-gallon water heater (2025). The result is a home where the beauty you see is matched by the quality and care behind the walls. Inside, the renovation continues with a beautifully updated coastal aesthetic, creating a comfortable and inviting retreat that is professionally furnished, move-in ready and designed for effortless island living. From relaxing after a day on the beach to entertaining friends and family, every space has been thoughtfully considered. Seaside Gardens offers a highly desirable location for enjoying all that Anna Maria Island has to offer. Spend your mornings on the beach, explore local shops and restaurants, enjoy boating and water activities, or watch another unforgettable Gulf sunset before returning home to your own private island retreat. A HOME THAT HAS BEEN REBUILT WITH INTENTION. A LOCATION THAT FEELS LIKE PARADISE. AND AN OPPORTUNITY TO OWN A TURNKEY COASTAL VILLA WITH THE MAJOR SYSTEMS ALREADY MODERNIZED. For buyers who appreciate the difference between a home that has simply been updated and one that has been comprehensively renovated from the inside out, 403 63rd Street is a rare opportunity to experience the very best of Anna Maria Island living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,150
Sqft
0.07 ac
Lot size
1971
Year built
One
Levels
$604
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 and the real association fee — not generic estimates.
$5,564 /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
$5,564/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
+15.3%
$/sqft vs Holmes Beach actives
$604 vs $883
Days on market
97 vs 74 typical
Where $604/sqft sits among the 90 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)
45 of 90
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 37% below the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 403 63RD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$550,000
441 62ND STREET · same community
2 bd · 2 ba · 1,180 sqft · $466/sqft · 189 DOM
Sold · Aug ’26$679,900
18 SEASIDE COURT · same community
2 bd · 2.5 ba · 1,050 sqft · $648/sqft · 1 DOM
Sold · Aug ’26$550,000
17 SEASIDE COURT · same community
2 bd · 2 ba · 1,047 sqft · $525/sqft · 32 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 403 63RD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 403 63RD STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
403 63RD STREET FAQs
What would the monthly payment be for 403 63RD STREET?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,564/mo — principal and interest, the actual property-tax bill, the $150/mo association fee 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.
How much are the HOA fees at 403 63RD STREET?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 403 63RD STREET?+
The most recent tax bill on record (2024) was $7,435. 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 403 63RD STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $695,000, this home is listed about 42% below 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 403 63RD STREET?+
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
Four things that matter here
01Under the HOLMES BEACH 34217 market on paper
$695,000 is 37% below the HOLMES BEACH 34217 median of $1,100,000, and at $604/sqft it sits under the Holmes Beach average of $888.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Strong 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.
04The price has already moved
Listed at $699,999, now $695,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING III · Kamilla Lovelle. MLS #A4701989.
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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