28TH STREET, HOLMES BEACH, FL, 34217
Active118 days on marketListed Mar 26, 2026MLS #A4687412
About this home
28TH STREET
Tucked away on a serene cul-de-sac and surrounded by stunning million-dollar homes, this rare .34-acre buildable lot on Anna Maria Island is your blank canvas for creating the ultimate Florida dream retreat. Imagine a private driveway leading to a generous 2,000 sq/ft buildable footprint, where you can design a two-story home complete with a multi-car garage and pool. Nestled amidst lush woods and mangroves, this property offers the perfect balance of privacy and natural beauty. Dream big—picture adding a widow’s walk to take in breathtaking views of the Intracoastal Waterway’s sunrise and the Gulf of Mexico’s unforgettable sunsets. Just steps away at the end of the street, you’ll find access to one of Florida’s finest white-sand beaches, along with endless opportunities for boutique shopping and upscale dining. State, federal, and city compliance permits were previously obtained, and an approved survey is on hand, making the building process easier than ever. While the Army Corps permit has recently expired, it’s ready for the new owner to reinstate the permits and bring their vision to life. Opportunities like this are incredibly rare on Anna Maria Island—don’t let this chance to design your perfect coastal haven slip away!
Facts & features
The home at a glance
0.34 ac
Lot size
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.
$6,749 /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
$6,749/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.
Where it sits
Inside Holmes Beach
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)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% 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 28TH STREET
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$1,995,000
504 BAYVIEW DRIVE · same community
3 bd · 3 ba · 1,779 sqft · $1,121/sqft · 19 DOM
Sold · Jul ’25$320,000
1603 GULF DRIVE N UNIT 27
1 bd · 1 ba · 380 sqft · $842/sqft · 133 DOM
Sold · Oct ’25$280,000
1603 GULF DRIVE N UNIT 24
1 bd · 1 ba · 380 sqft · $737/sqft · 22 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 28TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28TH STREET — 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
28TH STREET FAQs
What would the monthly payment be for 28TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,749/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 28TH STREET?+
The most recent tax bill on record (2025) was $10,161. 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 Holmes Beach?+
At $995,000, this home is listed about 28% 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 28TH STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Worth Fiers III. MLS #A4687412.
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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