David Ramirez
$3,800,000$4,200,0005 bd5 ba4,350 sqft$874 /sqft$23,861 /mo all-in ↓

532 70TH STREET, HOLMES BEACH, FL, 34217

Active50 days on marketListed Jun 4, 2026MLS #A4693681

Reduced $400KWaterfrontPrivate poolSingle Family ResidenceBAY PALMS ADD

About this home

532 70TH STREET

Introducing one of Anna Maria Island’s most captivating bayfront residences, perfectly positioned along the pristine waters of Bimini Bay with sweeping panoramic views stretching across the open water and beyond. Encompassing more than 4,300 square feet of beautifully designed living space, this stunning estate embodies the essence of luxury island living. From the moment you arrive, the home’s elevated coastal architecture, lush tropical landscaping, and commanding presence create an unforgettable first impression. At the heart of the residence, a recent renovation transformed the main living areas into a sophisticated gathering space designed for relaxed family living and effortless entertaining. The chef’s kitchen serves as the centerpiece of the home, showcasing custom cabinetry, premium appliances, designer finishes, an eye-catching backsplash, and an oversized island where family and friends naturally gather. Thoughtfully designed for both beauty and functionality, the kitchen flows seamlessly into expansive living and dining spaces where walls of glass frame breathtaking bay views and fill the home with natural light. The open-concept design creates a seamless connection between indoor and outdoor living, allowing the beauty of the bay to become part of everyday life. Every space was designed to embrace the home’s spectacular setting. Five spacious bedrooms and five beautifully appointed bathrooms provide luxurious accommodations for family and guests. The waterfront primary suite features a private balcony and breathtaking sunrise views across the bay. Additional guest suites and custom bunk accommodations offer comfort, privacy, and refined coastal style throughout. Step outside and discover a private bayfront retreat unlike anything else on the island. The resort-style pool and spa overlook sparkling open water, creating a dramatic backdrop for relaxation and entertaining. Multiple terraces and balconies provide front-row seats to sunrises, passing boats, and the ever-changing colors of the bay. A private putting green adds another layer of enjoyment, while mature tropical landscaping enhances privacy throughout. For boating enthusiasts, the location is simply unrivaled. With no bridges and direct access to Tampa Bay and the Gulf of Mexico, the property offers effortless navigation for everything from offshore fishing adventures to sunset cruises and days exploring nearby sandbars and waterfront destinations. The private dock and 16,000-pound lift place endless adventures just steps from your back door. Yet perhaps the home’s greatest luxury is its setting. Positioned on one of Anna Maria Island’s most coveted stretches of shoreline, this residence offers the rare combination of expansive open-water vistas, direct boating access, modern coastal elegance, and the relaxed sophistication that defines island life. Beyond the property itself lies the timeless charm of Anna Maria Island. Leave the car behind and embrace a lifestyle where bicycles, golf carts, and sunset strolls are part of daily life. Explore sugar-sand beaches, browse the boutiques and galleries of Pine Avenue, and enjoy waterfront dining moments from home. Blending Old Florida charm with coastal sophistication, Anna Maria remains one of Florida’s most sought-after island destinations. This is more than a home. It is a private waterfront resort, an entertainer’s dream, and a rare opportunity to experience the very best of Anna Maria Island living.

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

4,350

Sqft

0.26 ac

Lot size

2

Garage

1963

Year built

Two

Levels

$874

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Microwave · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorBalcony · French Doors · Irrigation System · Lighting · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$21,257/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$23,861 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$20,505
PMI (est., until 20% equity)$1,425
Property tax — 2025 actual bill$1,771
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $380,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $380,000
Interest rate6.00%
Loan term

Estimated payment

$23,861/mo

Principal & interest$20,505
PMI (est., until 20% equity)$1,425
Property taxes (actual bill)$1,771
Est. insurance$160

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.

$/sqft vs BAY PALMS ADD

$874 vs $894

Days on market

50 vs 95 typical

Where $874/sqft sits among the 10 homes for sale in BAY PALMS ADD

3
3 · this home
2
1
0
1
$653–824$824–994$994–1165$1165–1336$1336–1507$1507+

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

Map of 532 70TH STREET

Drive times from this address

Downtown Tampa75 min

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

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighBayshore High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Holmes Beach market

Seller’s marketLeans buyer8.3 months of inventoryBuyer’s market

$875K$850K

Holmes Beach median sold, yr/yr

93.5%

Sale-to-list ratio (12 mo)

5 of 10

BAY PALMS ADD have cut their price

Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 204% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $3,800,000 $400K
Jun 4, 2026Listed at $4,200,000 · 50 days on market since
1963Built · BAY PALMS ADD

Reality check

What actually sold near 532 70TH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

531 68TH STREETSold · Aug ’25

$7,030,205

531 68TH STREET · same community

5 bd · 5.5 ba · 3,787 sqft · $1,856/sqft · 55 DOM

401 77TH STREETSold · May ’26

$3,700,000

401 77TH STREET · same community

4 bd · 4.5 ba · 3,200 sqft · $1,156/sqft · 182 DOM

542 67TH STREETSold · Aug ’25

$4,125,000

542 67TH STREET · same community

4 bd · 4 ba · 2,909 sqft · $1,418/sqft · 132 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 532 70TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 532 70TH 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.

Goes straight to David’s phone and CRM.

Straight answers

532 70TH STREET FAQs

What would the monthly payment be for 532 70TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $23,861/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 532 70TH STREET?+

The most recent tax bill on record (2025) was $21,257. 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 532 70TH 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 $3,800,000, this home is listed about 176% above 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 532 70TH 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

Four things that matter here

01Positioned at the premium end

$3,800,000 runs 204% above the HOLMES BEACH 34217 median — but at 4,350 sqft it's also nearly 3 times the size of the typical Holmes Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong 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.

04The price has already moved

Listed at $4,200,000, now $3,800,000 — a $400K cut. The full history is in the market section below.

Listing courtesy of RE/MAX ALLIANCE GROUP · Christy Travis. MLS #A4693681.

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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