445 63RD STREET, HOLMES BEACH, FL, 34217
Active107 days on marketListed Apr 8, 2026MLS #A4688793
About this home
445 63RD STREET
New tile flooring installed June 2026. This is what Anna Maria Island living is all about. Located in the desirable Seaside Gardens community, this renovated 2-bedroom, 2-bath home offers spacious rooms, updated interiors, and a relaxed, airy feel. Inside, you’ll find new stainless steel appliances, quartz countertops in both the kitchen and bathrooms and ceramic tile flooring throughout. A newer roof and windows add to the list of thoughtful updates. The generously sized bedrooms provide plenty of room to unwind, while the renovated bathrooms offer a clean, modern finish. A dedicated laundry room with washer, dryer, and ample storage adds everyday convenience. Step outside to a fully fenced backyard—perfect for entertaining friends and family along with a private driveway for on-site parking. Being offered semi-furnished, this home is ready to enjoy as your personal island retreat or as an income-producing rental. Spend your days boating, playing pickleball, or relaxing on the beach, soaking in the turquoise waters and sugar-sand shoreline Anna Maria Island is known for. With community amenities and the Intracoastal Waterway just steps away, it’s easy to enjoy the laid-back island lifestyle. Golf carts and pets are welcome, and the trolley stop near the neighborhood entrance makes exploring the island simple and convenient. A comfortable, well-located home in a sought-after community—this is island living made easy.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,065
Sqft
0.06 ac
Lot size
1962
Year built
One
Levels
$534
Per sqft
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 and the real association fee — not generic estimates.
$3,944 /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
$3,944/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.
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.
vs edgeAI estimate
−13.5%
$/sqft vs Holmes Beach actives
$534 vs $906
Days on market
107 vs 95 typical
Where $534/sqft sits among the 140 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)
75 of 140
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 54% 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 445 63RD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$675,000
420 63RD STREET UNIT B East · same community
2 bd · 1 ba · 1,130 sqft · $597/sqft · 35 DOM
Sold · Sep ’25$599,900
19 SEASIDE COURT · same community
2 bd · 2 ba · 978 sqft · $613/sqft · 280 DOM
Sold · Jun ’26$689,500
449 63RD STREET · same community
2 bd · 2 ba · 958 sqft · $720/sqft · 189 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 445 63RD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 445 63RD 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
445 63RD STREET FAQs
What would the monthly payment be for 445 63RD STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,944/mo — principal and interest, the actual property-tax bill, the $150/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 445 63RD STREET?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 445 63RD STREET?+
The most recent tax bill on record (2025) was $4,207. 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 445 63RD STREET?+
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 $569,000, this home is listed about 59% 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 445 63RD 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.
The brief
Three things that matter here
01Under the HOLMES BEACH 34217 market on paper
$569,000 is 54% below the HOLMES BEACH 34217 median of $1,250,000, and at $534/sqft it sits under the Holmes Beach average of $939.
02Strong 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.
03The price has already moved
Listed at $579,000, now $569,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DUNCAN REAL ESTATE, INC. · Mary Anne Muniz. MLS #A4688793.
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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