5400 GULF DRIVE UNIT 18, HOLMES BEACH, FL, 34217
Active48 days on marketListed Jun 7, 2026MLS #A4695664
About this home
5400 GULF DRIVE UNIT 18
1+ BEDROOM BEACHFRONT CONDO WITH NO FLOOD DAMAGE, offered fully furnished and move-in ready in one of Anna Maria Island's most welcoming communities. Rarely does an affordable beachfront opportunity like this become available. Enjoy the perfect blend of island comfort, convenience, and community, with condo fees covering nearly everything except electricity, making ownership simple and stress-free. Start your mornings with sunrise walks along the Gulf, spend afternoons poolside, and end your evenings watching spectacular sunsets from the beachfront community patio while visiting with neighbors and friends. Inside, you'll find a spacious living area with neutral coastal décor, creating a relaxed atmosphere for gathering with family and friends after a day at the beach. The versatile bonus room provides the flexibility to create an additional sleeping area, comfortably accommodating up to four adults. Enjoy peaceful courtyard views overlooking the lush tropical landscaping from your private patio, the perfect spot for morning coffee or evening relaxation. The kitchen features wood cabinetry and granite countertops, and the dining area includes an expandable table for entertaining guests. Ample storage is available with four interior closets plus a large exterior storage closet for all your beach gear. Additional features include 8-foot ceilings, in-unit laundry, covered parking, and guest parking. Here, the beach isn't just nearby—it's part of everyday life. Step outside and within moments your toes are in the sand. Spend your days enjoying two large heated community pools, beautifully maintained grounds, and tropical landscaping that creates a true resort-style setting. The community clubhouse hosts social gatherings and offers additional laundry facilities for owners. Properties in this highly sought-after beachfront community rarely become available. More than just a condo, this is an opportunity to embrace the relaxed island lifestyle and own a special piece of paradise that is becoming increasingly difficult to find. *Only Murphy bed photos are virtually staged showing the versatile use for the bonus room/sun room as a second sleeping area for guests.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
810
Sqft
1964
Year built
One
Levels
$833
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 — not generic estimates.
$4,199 /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
$4,199/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.
$/sqft vs Holmes Beach actives
$833 vs $906
Days on market
48 vs 95 typical
Where $833/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)
76 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 45% 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 5400 GULF DRIVE UNIT 18
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$550,000
5604 CARISSA B
2 bd · 2 ba · 825 sqft · $667/sqft · 267 DOM
Sold · Oct ’25$650,000
5604 CARISSA A STREET
2 bd · 2 ba · 825 sqft · $788/sqft · 265 DOM
Sold · Mar ’26$630,000
103 66TH STREET UNIT 10
2 bd · 2 ba · 834 sqft · $755/sqft · 48 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 5400 GULF DRIVE UNIT 18 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5400 GULF DRIVE UNIT 18 — 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
5400 GULF DRIVE UNIT 18 FAQs
What would the monthly payment be for 5400 GULF DRIVE UNIT 18?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,199/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 5400 GULF DRIVE UNIT 18?+
The most recent tax bill on record (2025) was $1,727. 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 5400 GULF DRIVE UNIT 18?+
The listing reports pets: No. 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 $675,000, this home is listed about 51% 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 5400 GULF DRIVE UNIT 18?+
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
$675,000 is 45% below the HOLMES BEACH 34217 median of $1,225,000, and at $833/sqft it sits under the Holmes Beach average of $939.
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ON THE WATER · Kim Bowersox. MLS #A4695664.
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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