4805 2ND AVENUE, HOLMES BEACH, FL, 34217
Active170 days on marketListed Feb 3, 2026MLS #A4679778
About this home
4805 2ND AVENUE
Anna Maria Island Coastal retreat, located west of Gulf Drive and only two blocks to the beach, offers the perfect blend of luxury, comfort, and investment potential. Featuring four bedrooms and three and half bathrooms and a bonus living area, this home has potential as a primary residence, vacation getaway, or income-producing property. The open concept interior showcases high ceilings, tile floors throughout, and a kitchen complete with granite counters, solid wood cabinetry, stainless steel appliances, and a large granite island ideal for entertaining. The spacious bedrooms offer large walk-in closets, while the bathrooms feature large tile showers, and the primary suite includes a relaxing jacuzzi tub. Three decks provide space for entertaining or sunset viewing. Outdoor living shines with a private tropically landscaped yard, heated pool and a fun tiki bar complete with TV, creating a true island oasis. The lower level features a two car garage with epoxy floors, storage area for beach equipment and a bonus game room. An elevator shaft offers the potential of future elevator installation. Close to world class beaches, dining, and shopping, this home has it all, capturing the ultimate Anna Maria Island lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,634
Sqft
0 ac
Lot size
2
Garage
2009
Year built
Two
Levels
$926
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.
$16,431 /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
$16,431/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
−6.3%
Days on market
170 vs 95 typical
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)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 95% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
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 4805 2ND AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4805 2ND AVENUE — 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
4805 2ND AVENUE FAQs
What would the monthly payment be for 4805 2ND AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,431/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 4805 2ND AVENUE?+
The most recent tax bill on record (2024) was $26,346. 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 4805 2ND AVENUE?+
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 $2,439,000, this home is listed about 77% 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 4805 2ND AVENUE?+
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
Three things that matter here
01Positioned at the premium end
$2,439,000 runs 95% above the HOLMES BEACH 34217 median — but at 2,634 sqft it's also 71% larger than the typical Holmes Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
Listing courtesy of BEACH HOUSE REAL ESTATE LLC · Karen McCall. MLS #A4679778.
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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