5325 MARINA DRIVE UNIT 423, HOLMES BEACH, FL, 34217
Active486 days on marketListed Mar 25, 2025MLS #A4645975
About this home
5325 MARINA DRIVE UNIT 423
BEST PRICED UNIT FOR SALE at the Waterline Villas & Marina Residences. The Autograph Collection Residences are a sophisticated and stylish boutique hotel with 37 fully TURN-KEY furnished condos with a premier waterfront location on Anna Maria Island. 45’, BOAT SLIPS ARE free to use for owners while in residence!!! Built in 2017 all units feature 2 bedrooms, 2 full baths, a gourmet kitchen, separate living area and its own washer & dryer. Unit #423 is located in the southernmost "ISLAND" building detached from the main hotel that allows for more privacy. Owners have access to a boat slip while they are in residence. Nightly rentals can be easily handled by the on-site property management company Mainsail Lodging & Development, an award winning hospitality organization headquartered in Tampa. Enjoy the laid-back, Old Florida feel of Anna Maria Island. Park your car on-site and take the free trolley to explore everything the island has to offer. Waterline amenities include a graceful lobby with front desk, on-site management to assist with guest needs, heated resort-style pool with sun deck overlooking 50-slip marina that accommodates boats up to 45’, boat slips available (free for owners while in residence), on site fabulous "Chateau Anna Maria" restaurant and bar, charter boats for fishing and Eco tours, bicycles, paddle board, and kayaks free for owners, 24 hour fitness center, elegant ballroom for weddings, corporate gatherings, gift shop, complimentary Wi-Fi, Housekeeping and Concierge services. Zoning allows owners to stay in their units up to 120 days per calendar year and the dates do not have to be consecutive. Experience the dream of owning property on Anna Maria Island without the worry associated with management and maintenance!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,023
Sqft
0 ac
Lot size
2017
Year built
One
Levels
$440
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 and the real association fee — not generic estimates.
$6,616 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$6,616/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.
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.
vs edgeAI estimate
−28.9%
$/sqft vs Holmes Beach actives
$440 vs $906
Days on market
486 vs 95 typical
Where $440/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 64% 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 5325 MARINA DRIVE UNIT 423
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$515,000
4307 GULF DRIVE UNIT 103
2 bd · 2 ba · 1,027 sqft · $501/sqft · 19 DOM
Sold · May ’26$460,000
4307 GULF DRIVE UNIT 109
2 bd · 2 ba · 1,027 sqft · $448/sqft · 112 DOM
Sold · Aug ’25$432,500
3601 E BAY DRIVE UNIT 203
2 bd · 2 ba · 1,035 sqft · $418/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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5325 MARINA DRIVE UNIT 423 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5325 MARINA DRIVE UNIT 423 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
5325 MARINA DRIVE UNIT 423 FAQs
What would the monthly payment be for 5325 MARINA DRIVE UNIT 423?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $6,616/mo — principal and interest, the actual property-tax bill, the $2,918/mo association fee 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.
How much are the HOA fees at 5325 MARINA DRIVE UNIT 423?+
The association fee works out to $2,918 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5325 MARINA DRIVE UNIT 423?+
The most recent tax bill on record (2025) was $8,273. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5325 MARINA DRIVE UNIT 423?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Holmes Beach?+
At $450,000, this home is listed about 67% 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 5325 MARINA DRIVE UNIT 423?+
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
Five things that matter here
01Under the HOLMES BEACH 34217 market on paper
$450,000 is 64% below the HOLMES BEACH 34217 median of $1,237,500, and at $440/sqft it sits under the Holmes Beach average of $939.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $2,918/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
486 days on market against a Holmes Beach median of 95 — sellers in this position are usually ready to negotiate.
05Strong 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. · Cindy Quinn, Pa. MLS #A4645975.
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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