406 BAY PALMS DRIVE, HOLMES BEACH, FL, 34217
Active73 days on marketListed Aug 26, 2026MLS #A4703735
About this home
406 BAY PALMS DRIVE
Your Anna Maria Island beach house is waiting, and this one checks all the boxes! Beautifully updated, turnkey furnished and located in a desirable weekly rental zone, this 2-bedroom, 2-bath home offers an exceptional combination of personal enjoyment and vacation rental potential. THIRD BEDROOM OPTIONAL too. Bright, inviting and designed for easy island living, the home features an open floor plan, colorful coastal interiors and thoughtful custom finishes. A beautifully designed sea turtle tile feature in the kitchen and nautilus-inspired tile in the primary bath add distinctive personality. The real attraction is outside, where a spacious private pool and spa create the perfect setting for enjoying Florida's year-round sunshine. A covered porch provides generous space for outdoor dining, entertaining or simply relaxing after a day at the beach. Location matters, especially when purchasing an island vacation property. Centrally located in Holmes Beach, this home puts the best of Anna Maria Island within easy reach. Hop on the free island trolley and explore everything from the Anna Maria City Pier to Coquina Beach, with shopping, dining and beautiful Gulf beaches along the way. Whether your goal is to generate vacation rental income, secure your own island getaway or enjoy the best of both, this property deserves your attention. With its desirable rental zoning, inviting outdoor amenities and move-in-ready condition, the opportunity to start enjoying island ownership is already in place. Don't just dream about owning a beach house on Anna Maria Island. Make your move. Call today to schedule your private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,332
Sqft
0.18 ac
Lot size
1
Garage
1966
Year built
One
Levels
$953
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.
$9,563 /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
$9,563/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
+16.2%
$/sqft vs BAY PALMS ADD
$953 vs $882
Days on market
73 vs 73 typical
Where $953/sqft sits among the 10 homes for sale in BAY PALMS ADD
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)
2 of 10
BAY PALMS ADD have cut their price
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 406 BAY PALMS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$990,000
502 69TH STREET · same community
2 bd · 2 ba · 1,380 sqft · $717/sqft · 170 DOM
Sold · Feb ’26$1,650,000
511 68TH STREET · same community
3 bd · 2 ba · 1,394 sqft · $1,184/sqft · 82 DOM
Sold · Sep ’26$1,025,000
206 75TH STREET · same community
3 bd · 2 ba · 1,158 sqft · $885/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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 406 BAY PALMS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 406 BAY PALMS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
406 BAY PALMS DRIVE FAQs
What would the monthly payment be for 406 BAY PALMS DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $9,563/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 406 BAY PALMS DRIVE?+
The most recent tax bill on record (2026) was $11,221. 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 406 BAY PALMS 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 $1,270,000, this home is listed about 6% 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 406 BAY PALMS 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
Four things that matter here
01Positioned at the premium end
$1,270,000 runs 15% above the HOLMES BEACH 34217 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $1,295,000, now $1,270,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Kathy Harman. MLS #A4703735.
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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