237 S HARBOR DRIVE, HOLMES BEACH, FL, 34217
Active266 days on marketListed Oct 28, 2025MLS #TB8442090
About this home
237 S HARBOR DRIVE
One or more photo(s) has been virtually staged. PRICE REDUCED FOR QUICK SALE! PRIME OPPORTUNITY to build a custom coastal home on this 7,500 sq ft cleared corner lot in the heart of Holmes Beach on Anna Maria Island! Ideally located just a short 6-minute walk to the Gulf’s white sand beaches, this property offers the perfect balance of lifestyle and long-term value. With a maximum building height of 35 feet, a future home could capture beautiful water views of both the Gulf of Mexico and the Intracoastal Waterway, creating a true elevated island living experience. Positioned near local dining, shops, access to a community boat ramp for effortless days on the water. The location supports both everyday enjoyment and strong visitor appeal. Zoned for weekly rentals, the property provides flexibility for personal use, seasonal enjoyment, and income generation. Opportunities with this level of flexibility on Anna Maria Island are very limited. Any renderings or home concepts shown are for illustrative purposes only and are not included in the sale. Buyers should conduct their own due diligence regarding design, permitting, and construction. For investors: The combination of weekly rental zoning, walkable beach access, and potential water views creates a compelling opportunity to develop a high-demand vacation rental in a supply-constrained market. For second-home buyers: Design a private coastal retreat tailored to your lifestyle, with the added benefit of generating income when not in use—allowing your beach home to work for you while you’re away.
Facts & features
The home at a glance
0.17 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.
$4,802 /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
$4,802/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 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)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% 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 237 S HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,450,000
229 S HARBOR DRIVE · same community
3 bd · 2 ba · 1,386 sqft · $1,046/sqft · 58 DOM
Sold · Mar ’26$260,000
2601 GULF DRIVE N UNIT S33
1 bd · 1 ba · 0 sqft · 94 DOM
Sold · Jan ’26$170,000
2601 GULF DRIVE N UNIT B4
1 bd · 1 ba · 360 sqft · $472/sqft · 186 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 237 S HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 237 S HARBOR 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
237 S HARBOR DRIVE FAQs
What would the monthly payment be for 237 S HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,802/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 237 S HARBOR DRIVE?+
The most recent tax bill on record (2024) was $7,404. 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 $697,500, this home is listed about 49% below 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 237 S HARBOR 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
Four things that matter here
01Under the HOLMES BEACH 34217 market on paper
$697,500 is 44% below the HOLMES BEACH 34217 median of $1,250,000.
02Time on market is leverage
266 days on market against a Holmes Beach median of 95 — sellers in this position are usually ready to negotiate.
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.
04The price has already moved
Listed at $793,000, now $697,500 — a $96K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Jorge Stuyck. MLS #TB8442090.
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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