
7106 PALM DRIVE, HOLMES BEACH, FL, 34217
Active18 days on marketListed Oct 20, 2026MLS #A4707925
About this home
7106 PALM DRIVE
Increasingly Rare Ground-Level Island Living with Pool, Spa & R-2 Rental Potential in the weekly rental zone. One-story, ground-level single-family homes on Anna Maria Island are increasingly difficult to find. This charming and spacious 4-bedroom, 3½-bath home offers approximately 2,479 sq. ft. of living area, a large lot, exceptional outdoor living, and the flexibility of R-2 zoning for weekly vacation/seasonal rental use. This home has been a full time residence for the current owners. Ideally located within easy walking distance of the beautiful, white sand beaches and directly on the free island trolley route and popular holiday parade routes. This home is very quiet inside due to hurricane rated windows and roof insulation. Originally custom built in 1958 and thoughtfully expanded, the home retains its classic beach-cottage character with polished terrazzo floors, original French doors, tongue-and-groove ceilings, charming vintage details, and abundant storage. The spacious kitchen features custom cabinetry and mostly new stainless-steel appliances. A bright Florida room with four sliding glass doors opens to the private pool, spa and lanai. The L-shaped screened lanai is designed for true island living and entertaining, with an outdoor TV, speakers, ceiling fans, multiple seating and dining areas, and a stainless-steel vent hood for the propane grill. The free-form pebble finish pool and spa feature a waterfall, lighting, benches, umbrella table, and recently replaced pump, motor and filter. Solar pool heating/cooling adds to year-round enjoyment. The pool area includes an outdoor half bath and shower, non-slip surfaces, and a hurricane-resistant SuperScreen enclosure. The single-level floor plan and thoughtfully designed primary bath with an oversized walk-in shower, built-in bench and detachable showerhead provide excellent accessibility for those with limited mobility, walkers or wheelchairs. Additional features include a large front porch with swing, circular driveway, oversized garage with workshop, separate golf cart garage, fenced side yard, lush tropical landscaping, raised garden, irrigation system, central vacuum, security system and generous attic storage. Storm conscious improvements include a secured Galvalume roof, impact-resistant triple-pane windows and doors, hurricane-resistant pool screening, foam roof insulation, on-demand hot water, solar pool heating, and generator capability supported by an underground propane tank. Enjoy as a full-time residence, island retreat, or vacation rental or build new. Investor opportunity to own a spacious, ground-level home with a pool, spa, large lot, accessibility, and rental flexibility in the heart of Anna Maria Island.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,479
Sqft
0.22 ac
Lot size
1958
Year built
One
Levels
$847
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.
$15,040 /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
$15,040/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
+30%
$/sqft vs BAY PALMS ADD
$847 vs $883
Days on market
18 vs 72 typical
Where $847/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)
3 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 75% above the Holmes Beach median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 7106 PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,325,000
504 71ST STREET · same community
4 bd · 2.5 ba · 2,472 sqft · $536/sqft · 678 DOM
Sold · Jul ’26$1,611,000
302 72ND STREET UNIT A · same community
4 bd · 4.5 ba · 2,516 sqft · $640/sqft · 0 DOM
Sold · Apr ’26$2,625,000
523 69TH STREET · same community
3 bd · 3 ba · 2,409 sqft · $1,090/sqft · 94 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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7106 PALM DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7106 PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7106 PALM DRIVE FAQs
What would the monthly payment be for 7106 PALM DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $15,040/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 7106 PALM DRIVE?+
The most recent tax bill on record (2025) was $10,523. 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 7106 PALM DRIVE?+
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 $2,100,000, this home is listed about 75% 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 7106 PALM 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
Three things that matter here
01Positioned at the premium end
$2,100,000 runs 75% above the Holmes Beach median — but at 2,479 sqft it's also 65% larger than 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.
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 EXP REALTY LLC · Linda Moore. MLS #A4707925.
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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