5608 GULF DRIVE UNIT 104, HOLMES BEACH, FL, 34217
Active173 days on marketListed Feb 1, 2026MLS #A4679030
About this home
5608 GULF DRIVE UNIT 104
ITS TIME TO Wake up to the sound of waves and endless Gulf views in this beautifully situated two-bedroom, two-bath condo directly on the Gulf of Mexico. Step outside and onto the coveted, sugar-soft sandy beaches that make this area so sought after—perfect for morning walks, sunset strolls, and carefree beach days. Inside, the condo features a newly renovated kitchen that’s both stylish and functional, ideal for entertaining or preparing meals after a day at the beach. The thoughtfully designed layout offers comfortable living spaces and bedrooms with excellent privacy, plus the convenience of an in-unit laundry facility for effortless everyday living. Additional highlights include downstairs storage, perfect for beach chairs and gear, along with underground parking for added peace of mind. Located just minutes from shopping, restaurants, and local dining favorites, this condo perfectly balances relaxed beachfront living with easy access to all the best the area has to offer. Whether you’re seeking a full-time residence, a vacation escape, or an investment opportunity, this Gulf-front condo delivers the coastal lifestyle everyone dreams of. Come live your Anna Maria Life.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,236
Sqft
0 ac
Lot size
1981
Year built
One
Levels
$646
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.
$6,563 /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
$6,563/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.
vs edgeAI estimate
+15.4%
$/sqft vs Holmes Beach actives
$646 vs $906
Days on market
173 vs 95 typical
Where $646/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)
75 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 36% 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 5608 GULF DRIVE UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$925,000
5608 GULF DRIVE UNIT 114 · same community
2 bd · 2 ba · 1,236 sqft · $748/sqft · 127 DOM
Sold · Jan ’26$900,000
5400 GULF DRIVE UNIT 35
2 bd · 2 ba · 1,188 sqft · $758/sqft · 1 DOM
Sold · May ’26$500,000
725 MANATEE AVENUE UNIT 725
2 bd · 2 ba · 1,187 sqft · $421/sqft · 119 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 5608 GULF DRIVE UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5608 GULF DRIVE UNIT 104 — 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
5608 GULF DRIVE UNIT 104 FAQs
What would the monthly payment be for 5608 GULF DRIVE UNIT 104?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,563/mo — principal and interest, the actual property-tax bill, the $1,150/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 5608 GULF DRIVE UNIT 104?+
The association fee works out to $1,150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5608 GULF DRIVE UNIT 104?+
The most recent tax bill on record (2024) was $7,710. 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 5608 GULF DRIVE UNIT 104?+
The listing reports pets: No. 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 $799,000, this home is listed about 42% 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 5608 GULF DRIVE UNIT 104?+
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
$799,000 is 36% below the HOLMES BEACH 34217 median of $1,250,000, and at $646/sqft it sits under the Holmes Beach average of $939.
02Tennis Court views
The tennis court view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,150/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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.
05The price has already moved
Listed at $849,500, now $799,000 — a $51K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ANNA MARIA LIFE REAL ESTATE · Billi Gartman. MLS #A4679030.
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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