6400 FLOTILLA DRIVE UNIT 78, HOLMES BEACH, FL, 34217
Active142 days on marketListed Mar 5, 2026MLS #A4684747
About this home
6400 FLOTILLA DRIVE UNIT 78
Furnished summer rental available August 1–September 15, 2026 (1 month minimum stay, but condo is available for 6 weeks) in Holmes Beach on beautiful Anna Maria Island. Comfortable, turnkey condo at 6400 Flotilla Dr #78 offering a relaxed island setting close to beaches, dining, and shopping. Just bring your suitcase and enjoy summer on the island! Lic. VRC25-00159, minimum stay 30 days, maximum occupants 4, open parking, "You are vacationing in a residential area. Please be a good neighbor by keeping the noise to a respectful level during the day and night. Excessive and unreasonable noise can deprive neighbors of the peaceful enjoyment of their private property."
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,377
Sqft
0 ac
Lot size
1978
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$183 /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
$183/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $902
Days on market
142 vs 95 typical
Where $2/sqft sits among the 141 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)
76 of 141
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 100% 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 6400 FLOTILLA DRIVE UNIT 78
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$700,000
6400 FLOTILLA DRIVE UNIT 87 · same community
2 bd · 2 ba · 1,377 sqft · $508/sqft · 327 DOM
Sold · May ’26$525,000
6400 FLOTILLA DRIVE UNIT 56 · same community
2 bd · 2 ba · 985 sqft · $533/sqft · 115 DOM
Sold · Sep ’25$1,450,000
229 S HARBOR DRIVE
3 bd · 2 ba · 1,386 sqft · $1,046/sqft · 58 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 6400 FLOTILLA DRIVE UNIT 78 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6400 FLOTILLA DRIVE UNIT 78 — 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
6400 FLOTILLA DRIVE UNIT 78 FAQs
What would the monthly payment be for 6400 FLOTILLA DRIVE UNIT 78?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $183/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 6400 FLOTILLA DRIVE UNIT 78?+
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 $3,200, this home is listed about 100% 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 6400 FLOTILLA DRIVE UNIT 78?+
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
$3,200 is 100% below the HOLMES BEACH 34217 median of $1,225,000, and at $2/sqft it sits under the Holmes Beach average of $939.
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, Bayshore High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $4,200, now $3,200 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED PROPERTIES OF SARASOTA · Kris Kesling. MLS #A4684747.
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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