David Ramirez
Office

Commercial Sale · Office

$450,000$525,000988 sq ft$455 /sq ft0.53 acres

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

Building size988 sq ft
Lot size0.53 acres
Year built1985
Buildings1
ZoningCL
ConstructionBlock
CoolingCentral Air
Annual taxes$2,998

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)

Down payment25% · $112,500
Interest rate6.00%
Loan term

Estimated payment

$2,433/mo

Principal & interest$2,023
Property taxes (actual bill)$250
Est. insurance$160

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

20,000vehicles / day · 2025Cr 789/Gulf Dr to Flamingo Dr · Traffic count · Florida DOT
5-min drive10-min drive15-min drive

What’s nearby

Alvin's IslandRetail0.1 mi
CVS PharmacyBank0.1 mi
PublixGrocery0.1 mi
Kiwi Style Fish and ChipsRestaurant0.1 mi
Skinnys PlaceRestaurant0.2 mi
WalgreensBank0.3 mi
Bamboo ApartmentsLodging0.3 mi
Anna Maria Island Beach CafeRestaurant0.3 mi
Mr BonesRestaurant0.4 mi
Anchor InnRestaurant0.4 mi
Mister Roberts Resort WearRetail0.8 mi
Hurricane LiquorsRetail0.8 mi
Hurricane HanksRestaurant0.8 mi
Scott’s DeliRestaurant0.8 mi
The Island TraderRetail0.8 mi
Hancock Whitney Financial CenterBank0.8 mi
Minnie Beach CafeRestaurant0.8 mi
Time Saver SpiritsRetail0.9 mi
BeachhouseLodging0.9 mi
Rader's ReefRetail0.9 mi
ShellGrocery0.9 mi
Freckled Fin Irish PubRestaurant0.9 mi

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.

2501 GULF DRIVE N UNIT 102

$24,000

2501 GULF DRIVE N UNIT 102

416 sqft · $58/sqft · Sold Mar 16, 2026

3008 AVENUE C

$700,000

3008 AVENUE C

2,055 sqft · $341/sqft · Sold Apr 18, 2025

401 PINE AVENUE UNIT C

$1,150,000

401 PINE AVENUE UNIT C

2,480 sqft · $464/sqft · Sold Dec 19, 2025

Your team

The pros in your corner

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, offers, and every question about 3909 E BAY DRIVE UNIT 115 — start here.

Andrew Acosta

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.

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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