3720 GULF DRIVE, HOLMES BEACH, FL, 34217
Active393 days on marketListed Jun 26, 2025MLS #A4656974
About this home
3720 GULF DRIVE
Set along the shimmering Gulf shoreline in the heart of Holmes Beach, this rare Anna Maria Island parcel invites you to bring your coastal vision to life. Just moments from powdery white sands and within easy reach of the area’s charming boutiques, local dining, and laid-back island attractions, the location strikes an ideal balance between tranquility and vibrant beach town energy. Whether you imagine a striking custom residence designed to capture sweeping Gulf views and unforgettable sunsets, or you’re looking to secure a prime investment in a highly desirable destination, the possibilities here are as expansive as the horizon. This is more than a homesite, it’s an opportunity to create a personalized retreat where every day feels like a getaway.
Facts & features
The home at a glance
0.2 ac
Lot size
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.
$19,300 /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
$19,300/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.
Where it sits
Inside Casanas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Holmes Beach. See the full Holmes Beach guide →
Casanas — neighborhood snapshot
Population
72
Median age
70
Median income
$59,104
Median home value
$649,228
Avg household
2
Households w/ children
2%
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
$875K → $850K
Holmes Beach median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 132% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3720 GULF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3720 GULF DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3720 GULF DRIVE FAQs
What would the monthly payment be for 3720 GULF DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,300/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 3720 GULF DRIVE?+
The most recent tax bill on record (2024) was $29,194. 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 111% above the Holmes Beach median of $1,375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3720 GULF DRIVE?+
Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Manatee High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$2,895,000 runs 132% above the HOLMES BEACH 34217 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
393 days on market against a Holmes Beach median of 95 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Anna Maria Elementary School, Martha B. King Middle School, Manatee High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,100,000, now $2,895,000 — a $205K cut. The full history is in the market section below.
Listing courtesy of DUNCAN REAL ESTATE, INC. · Darcie Duncan. MLS #A4656974.
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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