220 N HARBOR DRIVE, HOLMES BEACH, FL, 34217
Active7 days on marketListed Jul 17, 2026MLS #TB8529264
About this home
220 N HARBOR DRIVE
Welcome to one of Anna Maria Island's most extraordinary waterfront estates, where timeless coastal elegance meets world-class boating and resort-style living. Perfectly positioned on a nearly ¼-acre corner lot with breathtaking open water frontage, this custom-built residence offers an exceptional combination of privacy, luxury, and direct access to Tampa Bay. Designed for both full-time living and luxury vacation rental potential, the home features 4 spacious en suite bedrooms, each with its own private bath. Expansive open-concept living space feature soaring ceilings, designer finishes and walls of glass capturing panoramic water views. The open kitchen has a separate butler's pantry, Thermador Appliance package and seamlessly connects indoor and outdoor living areas. Step outside to your private tropical retreat featuring a heated saltwater pool and spa, covered outdoor living spaces, and a fully equipped outdoor kitchen designed for effortless entertaining. Lush landscaping creates a tranquil island setting, while the waterfront becomes the centerpiece of the property. For boating enthusiasts, the property offers a private dock with a 20,000-pound boat lift and direct boating access to Tampa Bay and the Gulf of Mexico with no fixed bridges, making it ideal for everything from offshore fishing to sunset cruises. Take your golf cart to the white sand beaches, dining and shopping. Have peace of mind with 4 newer HVACs. This exceptional residence offers the rare opportunity to own a premier waterfront property that serves equally well as an exclusive private retreat or a high-performing luxury vacation rental.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,442
Sqft
0.23 ac
Lot size
2
Garage
2017
Year built
Three Or More
Levels
$1,162
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.
$27,330 /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
$27,330/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
$1,162 vs $902
Days on market
7 vs 95 typical
Where $1,162/sqft sits among the 140 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
$875K → $850K
Holmes Beach median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
76 of 140
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 220% 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 220 N 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 · Apr ’26$4,200,000
401 39TH STREET
4 bd · 4.5 ba · 3,450 sqft · $1,217/sqft · 0 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 220 N HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 N 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
220 N HARBOR DRIVE FAQs
What would the monthly payment be for 220 N HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,330/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 220 N HARBOR DRIVE?+
The most recent tax bill on record (2025) was $49,033. 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 $4,000,000, this home is listed about 191% 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 220 N 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
01Positioned at the premium end
$4,000,000 runs 220% above the HOLMES BEACH 34217 median — but at 3,442 sqft it's also nearly twice 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.
03Fresh on the market
Only 7 days on market in a Holmes Beach market that averages 95 — if it fits, move quickly.
04Strong 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 COMPASS FLORIDA LLC · Jennifer Schipper. MLS #TB8529264.
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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