3601 E BAY DRIVE UNIT 102, HOLMES BEACH, FL, 34217
Active229 days on marketListed Dec 5, 2025MLS #A4674147
About this home
3601 E BAY DRIVE UNIT 102
Waterfront Sandy Pointe Condominiums. Discover the charm of this secluded community, perfectly situated in one of the most desirable locations on Anna Maria Island. This private unit, positioned at the rear of the complex near the waterfront, offers an ideal blend of comfort and convenience. Featuring two bedrooms with en-suite bathrooms, the layout provides ample space for relaxation and entertaining. Additional highlights include: Two reserved under-building parking spaces, Direct access to the pool, Generous storage area, and Weekly rental availability for investment flexibility. The property is offered turnkey furnished and move-in ready, with a freshly painted interior, a fully equipped kitchen, and an in-unit washer and dryer. Owners can enjoy a pet-friendly policy and benefit from low condominium maintenance fees. Located just steps from Publix, Ace Hardware, and a variety of restaurants and shops, residents also have access to the island trolley with a convenient stop at the front of the complex. Only a few short blocks to the gorgeous beaches of Anna Maria Island and with easy access off the island and proximity to Sarasota and Tampa airports, this well-maintained condo is perfect as a vacation retreat or an income-generating investment. Experience the beauty and tranquility of Anna Maria Island—your beach paradise awaits!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,035
Sqft
0 ac
Lot size
1986
Year built
One
Levels
$459
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.
$3,720 /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
$3,720/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
−21.5%
$/sqft vs Holmes Beach actives
$459 vs $902
Days on market
229 vs 95 typical
Where $459/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)
76 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 62% 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 3601 E BAY DRIVE UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$432,500
3601 E BAY DRIVE UNIT 203 · same community
2 bd · 2 ba · 1,035 sqft · $418/sqft · 0 DOM
Sold · Apr ’26$510,000
3601 E BAY DRIVE UNIT 106
2 bd · 2 ba · 1,035 sqft · $493/sqft · 66 DOM
Sold · Apr ’26$500,000
3601 E BAY DRIVE UNIT 206
2 bd · 2 ba · 1,035 sqft · $483/sqft · 8 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 3601 E BAY DRIVE UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3601 E BAY DRIVE UNIT 102 — 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
3601 E BAY DRIVE UNIT 102 FAQs
What would the monthly payment be for 3601 E BAY DRIVE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,720/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 3601 E BAY DRIVE UNIT 102?+
The most recent tax bill on record (2024) was $6,642. 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 3601 E BAY DRIVE UNIT 102?+
The listing reports pets: 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 $475,000, this home is listed about 65% 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 3601 E BAY DRIVE UNIT 102?+
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
$475,000 is 62% below the HOLMES BEACH 34217 median of $1,250,000, and at $459/sqft it sits under the Holmes Beach average of $939.
02Pool & Trees/Woods views
The pool and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
229 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, 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 COLDWELL BANKER REALTY · Susie Robinson. MLS #A4674147.
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.
Never miss a listing
New Holmes Beach homes, in your inbox
Like 3601 E BAY DRIVE UNIT 102 but not quite? A daily digest of every new listing in Holmes Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →