238 85TH STREET UNIT 20, HOLMES BEACH, FL, 34217
Active22 days on marketListed Oct 16, 2026MLS #TB8558546
About this home
238 85TH STREET UNIT 20
Live the ultimate island lifestyle with this rare opportunity to own a separately deeded boat slip in the heart of beautiful Holmes Beach on Anna Maria Island! This is the perfect, low-maintenance solution for local residents, off-water homeowners, or frequent visitors who want all the perks of the Florida boating lifestyle without the premium price tag or upkeep of a waterfront property. Skip the long lines at public ramps and the hassle of trailering; your gateway to the gulf is secure, permanent, and entirely yours. Nestled in Holmes Beach, you are minutes away from exploring the vibrant waters of Tampa Bay, navigating the Intracoastal Waterway, or cruising out into the wide-open Gulf. Holmes Beach is a coastal playground known for its sugary white sands, laid-back charm, and community-centered lifestyle. Owning your own slip unlocks everything that makes this town world-famous. Spend your mornings flats fishing for redfish, your afternoons sandbar-hopping at Passage Key, and your evenings treating family and friends to a true "dock-and-dine" experience at local waterfront restaurants.
Facts & features
The home at a glance
0.01 ac
Lot size
One
Levels
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.
$1,145 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,145/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% 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 238 85TH STREET UNIT 20
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$650,000
5300 GULF DRIVE UNIT 204
2 bd · 1.5 ba · 722 sqft · $900/sqft · 8 DOM
Sold · Mar ’26$630,000
103 66TH STREET UNIT 10
2 bd · 2 ba · 834 sqft · $755/sqft · 48 DOM
Sold · Jan ’26$905,000
5701 HOLMES BOULEVARD UNIT B
2 bd · 1 ba · 927 sqft · $976/sqft · 71 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 238 85TH STREET UNIT 20 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 238 85TH STREET UNIT 20 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
238 85TH STREET UNIT 20 FAQs
What would the monthly payment be for 238 85TH STREET UNIT 20?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,145/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 238 85TH STREET UNIT 20?+
The most recent tax bill on record (2025) was $860. 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 $125,000, this home is listed about 90% below 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 238 85TH STREET UNIT 20?+
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.
Listing courtesy of RE/MAX REALTY UNLIMITED · Mindy Vega. MLS #TB8558546.
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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