405 28TH STREET, HOLMES BEACH, FL, 34217
Active14 days on marketListed Sep 6, 2026MLS #TB8546242
About this home
405 28TH STREET
This exquisitely renovated waterfront home on Anna Maria Island features nearly 80 feet of prime water frontage, providing breathtaking views from both the front and back of the property. A private boat dock and lift make this residence a paradise for boating enthusiasts. Recent extensive renovations include state-of-the-art electrical and air conditioning systems, impact-rated windows, new exterior siding, and a new roof, ensuring the home is both safe and energy-efficient. Step inside to discover a modern kitchen outfitted with high-end appliances, ample storage, and chic finishes, making it a chef's dream. The spacious open-concept living and dining areas are perfect for both relaxation and entertaining, with large windows that fill the space with natural light and allow for stunning water views. Four of the five bedrooms provide serene water views, while the bathrooms are elegantly designed with premium fixtures and finishes, offering a spa-like retreat. Outdoor living is a delight with the home's expansive decks, perfect for al fresco dining, entertaining guests, or simply soaking in the spectacular water views. The tropical landscaping enhances the natural beauty of the property, creating a serene and private oasis. Located just a short stroll from the pristine beaches of Anna Maria Island and the vibrant atmosphere of Bridge Street, this home offers the perfect blend of luxury and convenience. Schedule your showing today!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,748
Sqft
0.22 ac
Lot size
1
Garage
1972
Year built
Two
Levels
$772
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.
$18,016 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$18,016/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.
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
$772 vs $915
Days on market
14 vs 150 typical
Where $772/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 145% 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 405 28TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,995,000
504 BAYVIEW DRIVE · same community
3 bd · 3 ba · 1,779 sqft · $1,121/sqft · 19 DOM
Sold · Sep ’26$1,219,000
12622 SAFE HARBOUR DRIVE
4 bd · 3.5 ba · 3,742 sqft · $326/sqft · 220 DOM
Sold · Oct ’25$4,425,000
112 50TH STREET
4 bd · 5.5 ba · 3,791 sqft · $1,167/sqft · 168 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 405 28TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 405 28TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
405 28TH STREET FAQs
What would the monthly payment be for 405 28TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,016/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 405 28TH STREET?+
The most recent tax bill on record (2025) was $13,794. 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 $2,895,000, this home is listed about 125% 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 405 28TH 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
Three things that matter here
01Positioned at the premium end
$2,895,000 runs 145% above the HOLMES BEACH 34217 median — but at 3,748 sqft it's also nearly 2 times 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.
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 PINEYWOODS REALTY LLC · Lawrence Vargas. MLS #TB8546242.
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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