4307 GULF DRIVE UNIT 207, HOLMES BEACH, FL, 34217
Pending84 days on marketListed May 1, 2026MLS #A4691396
About this home
4307 GULF DRIVE UNIT 207
This beautifully updated 2BD/2BA coastal retreat offers the perfect blend of comfort, style, and location in the highly desirable Cayman Cay community on Holmes Beach. Ideally situated mid-island and just steps to the soft powdery sands of the Gulf, this TOP FLOOR residence is TURNKEY FURNISHED and truly MOVE-IN-READY. Inside, you’ll find a bright, open layout with a relaxed beach-inspired feel, HURRICANE IMPACT-RATED Windows and thoughtful upgrades throughout. A MAJOR RENOVATION opened up the kitchen and main living area, creating a more spacious and modern flow with NO CARPET throughout the unit. The well-appointed kitchen features upgraded cabinetry, modern countertops, tile backsplash and stainless steel appliances, making it perfect for both everyday living and entertaining. The main living space features custom wood accent wall detailing, adding a stylish coastal touch, and providing both durability and easy maintenance. Both bathrooms have been tastefully updated, and recent improvements include a NEW HURRICANE IMPACT-RATED TURTLE GLASS sliding door and a REFRESHED LANAI. Step out onto the screened lanai and enjoy peaceful surroundings with PARTIAL GULF VIEWS along with views of the pool and tropical landscaping, creating the perfect space to relax and unwind. Additional features include a private owner’s storage room and a designated covered carport space for Unit #207. Cayman Cay offers a well-maintained community setting with a heated pool, shuffleboard courts, and BBQ grilling area, perfect for relaxing after a day at the beach or enjoying time with family and friends. The location is truly unbeatable, just minutes from local restaurants, shopping, Publix, CVS, and everything that makes Anna Maria Island so special. For added convenience, the island trolley is nearby, making it effortless to explore the surrounding area. Enjoy convenient access on and off the island, along with a short drive to Sarasota Bradenton International Airport. Whether you're seeking a full-time residence, a relaxing vacation retreat, or an investment property, this condo delivers the perfect blend of location, modern updates, and easy island living. UNPACK, UNWIND, and START LIVING the island life from day one—while offering excellent INCOME POTENTIAL when you’re away.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,027
Sqft
1.15 ac
Lot size
1974
Year built
Two
Levels
$515
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.
$5,300 /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
$5,300/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−4.5%
Days on market
84 vs 95 typical
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)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% below the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
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 4307 GULF DRIVE UNIT 207 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4307 GULF DRIVE UNIT 207 — 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
4307 GULF DRIVE UNIT 207 FAQs
What would the monthly payment be for 4307 GULF DRIVE UNIT 207?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,300/mo — principal and interest, the actual property-tax bill, the $1,242/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 4307 GULF DRIVE UNIT 207?+
The association fee works out to $1,242 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4307 GULF DRIVE UNIT 207?+
The most recent tax bill on record (2025) was $6,599. 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 4307 GULF DRIVE UNIT 207?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size Limit. 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 $529,000, this home is listed about 62% 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 4307 GULF DRIVE UNIT 207?+
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
$529,000 is 58% below the HOLMES BEACH 34217 median of $1,250,000, and at $515/sqft it sits under the Holmes Beach average of $939.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,242/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
Listing courtesy of BRIGHT REALTY · Michelle Wasson. MLS #A4691396.
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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