David Ramirez
$2,950,000$3,450,0004 bd4 ba3,214 sqft$918 /sqft$19,238 /mo all-in ↓

605 N POINT DRIVE, HOLMES BEACH, FL, 34217

Active146 days on marketListed Feb 25, 2026MLS #A4683720

Reduced $500KWaterfrontPrivate poolSingle Family ResidenceNORTH POINT HARBOUR UNIT ONE

About this home

605 N POINT DRIVE

Nestled at one of the highest elevations on Anna Maria Island, this exceptional coastal retreat is located in the highly sought-after North Point Harbour community of Holmes Beach. Built in 2012 with hurricane-rated windows and doors, the home offers both refined elegance and peace of mind, perfectly blending luxury with the relaxed sophistication of island living. A cheerful front porch welcomes you inside, setting the tone for the warmth and charm found throughout. Soaring ceilings and gleaming marble floors create a light, airy ambiance, while coastal architectural details — including multiple porches and charming balconettes — add character and dimension to the design. The beautifully appointed living room is flooded with natural sunlight through two sets of French doors that frame tranquil canal views stretching toward Bimini Bay. These doors open to capture sunny mornings and breathtaking evening sunsets, seamlessly blending indoor and outdoor living. The open floor plan flows effortlessly into the dining and kitchen areas, creating an ideal setting for intimate family meals or hosting guests with ease. The spacious first-floor primary suite serves as a peaceful sanctuary, complete with a lovely ensuite bath and a private deck — perfect for quiet evenings under the coastal sky. Two additional bedrooms are also located on the first floor, including a second ensuite bedroom and a third bedroom with its own bath, offering comfort and privacy for family and visitors alike. Even everyday tasks feel elevated in the expansive and beautifully designed laundry and utility room, conveniently located off the kitchen and garage — a space so thoughtfully appointed it hardly feels like a utility area. The entire second floor is dedicated to a spectacular private suite. This luxurious retreat features two charming balconettes, a large walk-in closet, a spa-like ensuite bath with dual sinks, and a separate office or sitting room — an ideal haven for guests or multi-generational living. Outdoors, boating enthusiasts will appreciate the impressive 20,000-pound boat lift and expansive wraparound dock situated on a short, deep-water canal. With direct access through Bimini Bay to Tampa Bay, the Gulf of Mexico, and the Intracoastal Waterway, this property offers effortless navigation to some of Florida’s most beautiful waters. Life in North Point Harbour is as enriching as it is relaxing. Spend mornings at the nearby Key Royale Golf Club for an early tee time, afternoons joining friends at the community pool or enjoying a friendly match on the tennis courts or padel, and evenings cruising from your private dock into Bimini Bay as the sun melts into the horizon. Here, everyday flows seamlessly from recreation to relaxation, creating a true island lifestyle defined by beauty, convenience, and connection to the water. This extraordinary North Point Harbour residence embodies the very best of elevated coastal living — where thoughtful design, superior craftsmanship, and an unparalleled waterfront location come together to create a truly remarkable island home.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,214

Sqft

0.23 ac

Lot size

2

Garage

2012

Year built

Two

Levels

$918

Per sqft

Private poolWaterfrontPartiallyPets allowed

Inside

FlooringCarpet · Marble
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric
FurnishedPartially

Outside & construction

RoofMetal
ConstructionCement Siding · Stucco
FoundationCrawlspace
FacesEast
ExteriorBalcony · French Doors · Irrigation System · Lighting · Outdoor Grill · Private Mailbox · Rain Gutters · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$167/mo
Taxes (2024)$22,644/yr
PetsYes
CommunityGolf Carts OK · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$19,238 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$15,918
PMI (est., until 20% equity)$1,106
Property tax — 2024 actual bill$1,887
HOA fee — from the listing$167
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $295,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $295,000
Interest rate6.00%
Loan term

Estimated payment

$19,238/mo

Principal & interest$15,918
PMI (est., until 20% equity)$1,106
Property taxes (actual bill)$1,887
HOA / condo fee$167
Est. insurance$160

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 Holmes Beach actives

$918 vs $901

Days on market

146 vs 95 typical

Where $918/sqft sits among the 138 Holmes Beach actives

21
32
38 · this home
20
8
19
$459–640$640–822$822–1003$1003–1185$1185–1366$1366+

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 Key Royale

Map of 605 N POINT DRIVE inside its neighborhood boundary

Get to know Holmes Beach. See the full Holmes Beach guide →

Key Royale — neighborhood snapshot

Population

388

Median age

65

Median income

$192,667

Median home value

$1,283,100

Avg household

2

Households w/ children

17%

For the school run

Manatee County School District

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighManatee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Holmes Beach market

Seller’s marketLeans buyer8.3 months of inventoryBuyer’s market

$875K$850K

Holmes Beach median sold, yr/yr

93.5%

Sale-to-list ratio (12 mo)

74 of 138

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 138% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,950,000 $500K
Feb 25, 2026Listed at $3,450,000 · 146 days on market since
2012Built · NORTH POINT HARBOUR UNIT ONE

Reality check

What actually sold near 605 N POINT DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

709 KEY ROYALE DRIVESold · Feb ’26

$3,400,000

709 KEY ROYALE DRIVE · same community

4 bd · 3.5 ba · 4,576 sqft · $743/sqft · 173 DOM

542 67TH STREETSold · Aug ’25

$4,125,000

542 67TH STREET

4 bd · 4 ba · 2,909 sqft · $1,418/sqft · 132 DOM

6405 GULF DRIVESold · Feb ’26

$1,700,000

6405 GULF DRIVE

3 bd · 2.5 ba · 2,876 sqft · $591/sqft · 375 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 605 N POINT DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 605 N POINT DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

605 N POINT DRIVE FAQs

What would the monthly payment be for 605 N POINT DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,238/mo — principal and interest, the actual property-tax bill, the $167/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 605 N POINT DRIVE?+

The association fee works out to $167 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 605 N POINT DRIVE?+

The most recent tax bill on record (2024) was $22,644. 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 605 N POINT DRIVE?+

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 $2,950,000, this home is listed about 115% 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 605 N POINT DRIVE?+

Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Manatee 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

01Positioned at the premium end

$2,950,000 runs 138% above the HOLMES BEACH 34217 median — but at 3,214 sqft it's also nearly twice the size of the typical Holmes 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.

03Strong assigned schools

Anna Maria Elementary School, Martha B. King Middle School, Manatee High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $3,450,000, now $2,950,000 — a $500K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Becky Sirigotis. MLS #A4683720.

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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