3705 E BAY DRIVE UNIT 115, HOLMES BEACH, FL, 34217
Active18 days on marketListed Sep 2, 2026MLS #A4704522
Come see it
Upcoming open house
Sun, Oct 11
10:00 AM – 1:00 PM
About this home
3705 E BAY DRIVE UNIT 115
This is YOUR CHANCE to own YOUR island getaway on world renowned Anna Maria Island!!! Just 3 blocks to beautiful beaches and water. Fully turnkey furnished and ready for you to spend the weekend, winter in or rent out. Dog friendly community! Building has an elevator. Remodeled kitchen and baths, with Full size Washer and dryer in the kitchen! 2 community pools. Long fishing pier with boating access. Tennis and pickle ball courts. Kayaking and paddle boarding are steps away. Store your Kayak or paddle board under the building and launch from the dock and Kayak through mangrove tunnels and Anna Maria Sound. Eat in kitchen or turn it into office space. Under building parking and storage area for beach equipment. Easy access to the mainland. Close to Publix, great cafes and stores. Bike to Robinson Preserve. Beautifully landscaped!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,121
Sqft
0.69 ac
Lot size
1980
Year built
One
Levels
$446
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.
$3,520 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,520/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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
−42.8%
$/sqft vs Holmes Beach actives
$446 vs $915
Days on market
18 vs 150 typical
Where $446/sqft sits among the 83 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
3,774
Median age
69.2
Median income
$90,278
Median home value
$636,300
Avg household
1.8
Households w/ children
130
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
$1.1M → $963K
Holmes Beach median sold, yr/yr
92.6%
Sale-to-list ratio (12 mo)
43 of 83
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 58% 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 3705 E BAY DRIVE UNIT 115
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$350,000
3705 E BAY DRIVE UNIT 212 · same community
2 bd · 2 ba · 1,146 sqft · $305/sqft · 409 DOM
Sold · Nov ’25$400,000
3705 E BAY DRIVE UNIT 205 · same community
2 bd · 2 ba · 1,146 sqft · $349/sqft · 0 DOM
Sold · Sep ’26$612,000
204 29TH STREET
2 bd · 1 ba · 1,140 sqft · $537/sqft · 76 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3705 E BAY DRIVE UNIT 115 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3705 E BAY DRIVE UNIT 115 — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3705 E BAY DRIVE UNIT 115 FAQs
What would the monthly payment be for 3705 E BAY DRIVE UNIT 115?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,520/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 3705 E BAY DRIVE UNIT 115?+
The most recent tax bill on record (2025) was $2,353. 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 3705 E BAY DRIVE UNIT 115?+
The listing reports pets: 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 $499,900, this home is listed about 61% below the Holmes Beach median of $1,287,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3705 E BAY DRIVE UNIT 115?+
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
Three things that matter here
01Under the HOLMES BEACH 34217 market on paper
$499,900 is 58% below the HOLMES BEACH 34217 median of $1,184,000, and at $446/sqft it sits under the Holmes Beach average of $939.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Noranne Hutcheson. MLS #A4704522.
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.
Never miss a listing
New Holmes Beach homes, in your inbox
Like 3705 E BAY DRIVE UNIT 115 but not quite? A daily digest of every new listing in Holmes Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Elizabeth to ping you on any price or status change →