203 BAY DRIVE N, BRADENTON BEACH, FL, 34217
Active153 days on marketListed Feb 22, 2026MLS #A4682950
About this home
203 BAY DRIVE N
A rare opportunity to own one of the most impressive bayfront estates on Anna Maria Island, where panoramic water views, refined coastal architecture, and island living come together in a truly unforgettable setting. This exceptional 8 bedroom, 8.5 bath home offers more than 3,500 sq ft of luxury living directly on the bay in Bradenton Beach, delivering an unmatched combination of elevated modern design, premium construction, and the quintessential Island lifestyle. Floor-to-ceiling windows showcase sweeping open-water views and bring natural light into the spacious living and dining areas, while the gourmet kitchen features quartz countertops, custom cabinetry, high-end appliances, and a large entertaining island ideal for gathering with family and guests. Multiple balconies and outdoor living spaces create a seamless indoor-outdoor flow, capturing sunrise views over the bay and cooling sea breezes throughout the day. The outdoor experience is resort-like, with a private pool overlooking the water, generous covered seating areas for shaded relaxation, and direct waterfront access for paddleboards or boating enjoyment. A rooftop deck provides dramatic panoramic views of the Intracoastal and skyline, making it an unforgettable setting for sunset evenings and waterfront entertaining. The property is topped with a metal roof and built to modern coastal standards for durability and peace of mind. Each of the eight bedrooms is designed as an en-suite or semi en-suite, offering exceptional comfort and privacy for guests. The layout accommodates large families and group gatherings with ease, while still feeling private and thoughtfully planned. An elevator makes moving between floors effortless for residence and guests. Currently operated as a luxury vacation rental with strong income history and bookings in place, the home offers both exceptional lifestyle appeal and proven rental performance. Situated on one of the most desirable stretches of Bradenton Beach, this residence embodies the reason waterfront ownership on Anna Maria Island is so sought-after — a rare opportunity to live directly on the bay while being just a few blocks from the Gulf shoreline, island dining, beach markets, boutique shopping, and the relaxed coastal character that defines life on AMI.
Facts & features
The home at a glance
8
Bedrooms
8.5
Bathrooms
3,582
Sqft
0.15 ac
Lot size
3
Garage
2022
Year built
Two
Levels
$1,438
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.
$33,933 /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
$33,933/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 Bradenton Beach actives
$1,438 vs $906
Days on market
153 vs 47 typical
Where $1,438/sqft sits among the 89 Bradenton 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 Azure Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton Beach. See the full Bradenton Beach guide →
Azure Shores — neighborhood snapshot
Population
103
Median age
67
Median income
$74,643
Median home value
$559,400
Avg household
2
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bradenton Beach market
$665K → $720K
Bradenton Beach median sold, yr/yr
90.4%
Sale-to-list ratio (12 mo)
34 of 89
Bradenton Beach actives have cut their price
Median sold price, Bradenton Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 320% above the BRADENTON BEACH 34217 median. See the full Bradenton Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 203 BAY DRIVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$3,900,000
102 9TH STREET S
7 bd · 7.5 ba · 3,279 sqft · $1,189/sqft · 26 DOM
Sold · May ’26$3,075,000
2200 AVENUE B
7 bd · 7.5 ba · 3,126 sqft · $984/sqft · 44 DOM
Sold · Nov ’25$2,795,000
2213 AVENUE B
7 bd · 7.5 ba · 3,125 sqft · $894/sqft · 283 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 203 BAY DRIVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 BAY DRIVE N — 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
203 BAY DRIVE N FAQs
What would the monthly payment be for 203 BAY DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $33,933/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 203 BAY DRIVE N?+
The most recent tax bill on record (2025) was $48,630. 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 Bradenton Beach?+
At $5,150,000, this home is listed about 376% above the Bradenton Beach median of $1,082,000. The market section on this page shows how the area is trending.
Which schools are assigned to 203 BAY DRIVE N?+
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
01Positioned at the premium end
$5,150,000 runs 320% above the BRADENTON BEACH 34217 median — but at 3,582 sqft it's also nearly 3 times the size of the typical Bradenton 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.
03Time on market is leverage
153 days on market against a Bradenton Beach median of 47 — 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.
05The price has already moved
Listed at $5,495,000, now $5,150,000 — a $345K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Christy Travis. MLS #A4682950.
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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