CENTURY 21 Edge
$5,250,0004 bd5 ba2,980 sqft$1,762 /sqft$31,028 /mo all-in ↓

106 81ST STREET, HOLMES BEACH, FL, 34217

Active5 days on marketListed Sep 15, 2026MLS #A4706045

Private poolFully furnishedSingle Family ResidenceHOLMES BEACH DEV 1ST UNIT

About this home

106 81ST STREET

One of the most distinctive residences on Anna Maria Island, this exceptional coastal home is a true celebration of thoughtful design, effortless entertaining, and spectacular Gulf views. Just steps from the shoreline and the island’s world-renowned beaches, this four-bedroom retreat was designed as a private haven for family and guests, with every detail carefully considered. An established and successful vacation rental, the property grosses over $350,000 annually, offering an exceptional opportunity for both personal enjoyment and investment. Three expansive travertine terraces create extraordinary outdoor living spaces, each offering its own unique setting. The second-level covered terrace features a fully equipped summer kitchen with grill, sink, and ice machine, overlooking the large heated pool and spa. The third-level terrace is open to the sky and furnished with a fire pit, creating the perfect place to gather while taking in unobstructed views of the Gulf of Mexico. Above it all, the rooftop terrace offers breathtaking panoramic views stretching from the Gulf to the Skyway Bridge. Every level is easily accessible by elevator or stairs. Designed for both luxury and efficiency, the home features more than 9,000 watts of solar power, offering exceptional performance with low-maintenance coastal living. The ground level includes two garages—one oversized two-car garage and a separate garage ideal for a golf cart, beach equipment, water toys, or owner storage. The second level showcases an inviting living and great room, dining area, and gourmet kitchen, with French doors opening directly to the covered terrace and summer kitchen. The kitchen is appointed with state-of-the-art appliances and a wine cooler, perfectly suited for both intimate gatherings and larger-scale entertaining. The thoughtfully designed bedroom layout offers four private en-suite retreats. Two are located on the second level alongside an office/media room, while the third level features the home’s expansive primary suite and an additional guest suite. From its exceptional outdoor living spaces and sweeping Gulf views to its sophisticated interiors, impressive energy features, and proven rental history, this extraordinary Anna Maria Island residence offers a rare opportunity to experience island living at its finest.

Facts & features

The home at a glance

4

Bedrooms

5

Bathrooms

2,980

Sqft

0.19 ac

Lot size

2

Garage

2017

Year built

Three Or More

Levels

$1,762

Per sqft

Private poolPool & Water viewFurnished

Inside

FlooringPorcelain Tile
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Range · Refrigerator · Washer · Wine Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Elevator · Solid Surface Counters · Solid Wood Cabinets · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewPool · Water
FacesSouth
ParkingGarage Door Opener · Golf Cart Parking
ExteriorBalcony · Irrigation System · Lighting · Outdoor Kitchen · Outdoor Shower · Sliding Doors · Storage

Community & fees

Taxes (2025)$6,847/yr

Utilities & systems

UtilitiesCable Connected · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$31,028 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$28,329
PMI (est., until 20% equity)$1,969
Property tax — 2025 actual bill$571
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $525,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $525,000
Interest rate6.00%
Loan term

Estimated payment

$31,028/mo

Principal & interest$28,329
PMI (est., until 20% equity)$1,969
Property taxes (actual bill)$571
Est. insurance$160

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.

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.

$/sqft vs Holmes Beach actives

$1,762 vs $905

Days on market

5 vs 150 typical

Where $1,762/sqft sits among the 83 Holmes Beach actives

20
18
22
13
8
2 · this home
$466–682$682–898$898–1114$1114–1330$1330–1546$1546+

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

Downtown Tampa73 min

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

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighBayshore High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Holmes Beach market

Seller’s marketBalanced5.4 months of inventoryBuyer’s 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 343% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →

Paper trail

This home's history

Sep 15, 2026Listed at $5,250,000 · 5 days on market since
2017Built · HOLMES BEACH DEV 1ST UNIT

Reality check

What actually sold near 106 81ST STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6405 GULF DRIVESold · Feb ’26

$1,700,000

6405 GULF DRIVE

3 bd · 2.5 ba · 2,876 sqft · $591/sqft · 375 DOM

504 59TH STREETSold · Aug ’26

$1,650,000

504 59TH STREET

3 bd · 2.5 ba · 3,126 sqft · $528/sqft · 148 DOM

215 64TH STREETSold · Jun ’26

$2,800,000

215 64TH STREET

4 bd · 3.5 ba · 2,690 sqft · $1,041/sqft · 0 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 106 81ST STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 106 81ST STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

106 81ST STREET FAQs

What would the monthly payment be for 106 81ST STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $31,028/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 106 81ST STREET?+

The most recent tax bill on record (2025) was $6,847. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Holmes Beach?+

At $5,250,000, this home is listed about 308% above 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 106 81ST 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

01Positioned at the premium end

$5,250,000 runs 343% above the HOLMES BEACH 34217 median — but at 2,980 sqft it's also nearly twice the size of the typical Holmes Beach listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 5 days on market in a Holmes Beach market that averages 150 — if it fits, move quickly.

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.

Listing courtesy of COLDWELL BANKER REALTY · Charles Buky. MLS #A4706045.

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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