522 BAYVIEW DRIVE, HOLMES BEACH, FL, 34217
Active46 days on marketListed Jun 5, 2026MLS #A4695861
About this home
522 BAYVIEW DRIVE
Imagine waking to the gentle lap of the Intracoastal Waterway just beyond your windows, where 240 feet of prime waterfront unfolds into sweeping panoramic vistas that stretch across the bay. This architecturally stunning custom residence has uncompromising attention to detail, commands one of Holmes Beach’s most coveted bayfront settings — a true waterfront sanctuary on Anna Maria Island’s serene shores. Spanning 4,007 square feet under air with 4 bedrooms and 4.5 bathrooms, this home is a masterclass in coastal luxury living. Sun-drenched interiors flow effortlessly to expansive outdoor realms, where a beach-entry pool beckons for effortless days of swimming and lounging beneath Florida’s endless blue skies. Two private docks and two boat lifts put you seconds from open water — perfect for spontaneous sunset cruises, fishing excursions, or simply watching dolphins play against the horizon. Step inside and discover thoughtfully designed living spaces that embrace the views from nearly every room. A dedicated mother-in-law suite offers privacy and comfort for extended family or guests, while the generous 3-car garage ensures ample room for vehicles, toys, and beach gear. Just a short, leisurely walk to the Gulf of Mexico’s sugar-sand beaches, this location delivers the ultimate island lifestyle: effortless access to world-class shelling, dining, and the laid-back charm that defines Anna Maria Island. Whether entertaining on the waterfront terraces, retreating to the poolside oasis, or simply savoring quiet mornings with coffee overlooking the water, this home captures the essence of elevated coastal living. Rare, refined, and ready for its next chapter — this is island living at its absolute finest.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,007
Sqft
0.32 ac
Lot size
3
Garage
2007
Year built
Two
Levels
$1,371
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.
$35,806 /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
$35,806/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
$1,371 vs $894
Days on market
46 vs 95 typical
Where $1,371/sqft sits among the 139 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
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
$875K → $850K
Holmes Beach median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
75 of 139
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 340% 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 522 BAYVIEW DRIVE
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 · Apr ’26$2,200,000
12509 SAFE HARBOUR DRIVE
3 bd · 3 ba · 3,460 sqft · $636/sqft · 139 DOM
Sold · Apr ’26$4,200,000
401 39TH STREET
4 bd · 4.5 ba · 3,450 sqft · $1,217/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.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 522 BAYVIEW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 522 BAYVIEW 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
522 BAYVIEW DRIVE FAQs
What would the monthly payment be for 522 BAYVIEW DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $35,806/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 522 BAYVIEW DRIVE?+
The most recent tax bill on record (2025) was $47,217. 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 $5,495,000, this home is listed about 300% 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 522 BAYVIEW 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
$5,495,000 runs 340% above the HOLMES BEACH 34217 median — but at 4,007 sqft it's also nearly 3 times the size of the typical Holmes Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 SATO REAL ESTATE INC. · Jason Sato. MLS #A4695861.
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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