
Commercial Sale · Office
3909 E BAY DRIVE UNIT 115, HOLMES BEACH, FL, 34217
Active135 days on marketListed Mar 9, 2026MLS #A4685342
About this property
The property at a glance
Rare office space available in well established commercial building in the heart of Holmes Beach on Anna Maria Island. The office area resides in a commercial condominium equipped with elevator, a public restroom for men and women on the second and third floors. Unit for sale is on the second floor. Sign space available and one parking spot under the building. Plenty of exterior parking with both a street and back door entrance. Building provides diverse occupants of financial planning, medical offices, and construction. Current layout of the 988 square feet is a break room with galley kitchen with updated kitchen cabinets. Furthermore, there are three (3) areas equipped with desk counters accommodating several office spaces as well as one room that contains shelving for miscellaneous storage. Interior is decorated coastal with ship lap walls and large doors with glass. Perfect for a small-medium professional office. Space is directly off the main commercial thoroughfare running North and South on Anna Maria Island. This is the hub of Anna Maria Island with Publix, CVS, Walgreens as well as the largest shopping area on Anna Maria Island all an orange throw across the street. This is a perfect location to service residents and visitors of Anna Maria Island. Owner financing will be considered, act now!
988
Building sq ft
$455
Price / sq ft
0.53
Lot acres
1985
Year built
1
Building
CL
Zoning
Office
Property type
The numbers
Investment snapshot
Income and lease details aren’t published in the MLS for this listing. Ask for the offering memorandum and rent roll to run cap rate, NOI and cash-on-cash.
Estimated payment (illustrative)
Estimated payment
$2,433/mo
Illustrative only. Commercial loans are underwritten on the property’s income (DSCR, cap rate) — typically 25–35% down with lender-set terms. Ask a commercial lender for real numbers. 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.
Financing
Commercial financing works differently from a home loan — expect roughly 25–35% down with terms driven by the property’s income and your lender’s underwriting (DSCR, cap rate), not FHA or VA programs. Ask David to connect you with a commercial lender for real numbers.
Where it sits
Location & trade area
What’s nearby
Business data © OpenStreetMap contributors
The area
Who's around this property
3,774
Population
$90,278
Median income
69.2
Median age
1.8
Avg household
$636,300
Median home value
$1,657/mo
Median rent
130
Households w/ kids
Recent sales
What actually sold near 3909 E BAY DRIVE UNIT 115
The most comparable commercial properties that changed hands nearby. No two are identical — ask us for a full comparative analysis.

$24,000
2501 GULF DRIVE N UNIT 102
416 sqft · $58/sqft · Sold Mar 16, 2026

$700,000
3008 AVENUE C
2,055 sqft · $341/sqft · Sold Apr 18, 2025

$1,150,000
401 PINE AVENUE UNIT C
2,480 sqft · $464/sqft · Sold Dec 19, 2025
Your team
The pros in your corner
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, offers, and every question about 3909 E BAY DRIVE UNIT 115 — start here.

Financing contact
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Ask about commercial financing options for 3909 E BAY DRIVE UNIT 115.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Listing courtesy of ISLAND REAL ESTATE-ANNA MARIA · Jennifer Chatt. MLS #A4685342.
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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