David Ramirez
$5,995,0005 bd5 ba4,995 sqft$1,200 /sqft$37,012 /mo all-in ↓

526 56TH STREET, HOLMES BEACH, FL, 34217

Active27 days on marketListed Jun 24, 2026MLS #A4697603

WaterfrontPrivate poolSingle Family ResidenceHOLMES BEACH 12TH UNIT

About this home

526 56TH STREET

Tucked along an extraordinary 225 feet of waterfront, this custom coastal retreat distills the very essence of island living—breathtaking water views, exceptional privacy, and thoughtfully designed spaces that move effortlessly between serene relaxation and spirited entertaining. A palm-lined driveway sets the tone, where timeless architecture and lush tropical landscaping leave an unforgettable first impression. This residence carries rare local significance as the very first custom home built by Ross Built Construction, masterfully designed by renowned architect Gene Aubry. It stands as a lasting testament to their craftsmanship and creativity—and their contribution to luxury coastal living on Anna Maria Island. Their influence resonates throughout: a thoughtful floor plan, an exceptional command of natural light, and a seamless connection between indoor and outdoor living. Inside, travertine tile and hand-scraped maple flooring flow through a light-filled interior crowned by soaring vaulted ceilings in the living and kitchen areas. The chef's kitchen is as functional as it is beautiful, appointed with stone countertops, copper sinks, a gas range with pot filler, premium appliances, and a generous center island that anchors the home's main gathering spaces. Five spacious ensuite bedrooms, a dedicated den/office, and an upstairs bonus room offer effortless flexibility for family and guests. The primary suite is a private sanctuary unto itself, featuring a remodeled spa-inspired bath with custom built-in shelving and elegant finishes throughout. Designed to embrace the waterfront lifestyle, expansive glass doors open to an impressive 1,400-square-foot veranda overlooking the sparkling saltwater pool and tranquil waterways beyond. Boaters will appreciate the private dock and 10,000-lb boat lift for effortless access to open water, while an oversized three-car garage, elevator, impact-rated windows and doors, Sonos sound system, mosquito misting system, rainwater cistern, and exterior irrigation system deliver convenience and lasting peace of mind. Perfectly positioned in the heart of Holmes Beach, the property is just moments from the sugar-sand beaches of the Gulf, beloved local restaurants, boutiques, and island shops—a rare pairing of private waterfront sanctuary and walkable island convenience. Whether savoring spectacular sunsets from the veranda, entertaining poolside, strolling to nearby dining, or setting out for a day on the water, this remarkable residence offers something exceedingly rare: not only an extraordinary waterfront home, but a meaningful piece of island history, where inspired architecture, enduring craftsmanship, and an unrivaled setting come together in perfect harmony.

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

4,995

Sqft

0.25 ac

Lot size

3

Garage

2007

Year built

Two

Levels

$1,200

Per sqft

Private poolWaterfrontWater view

Inside

FlooringConcrete · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Ice Maker · Microwave · Refrigerator · Tankless Water Heater · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionHardiPlank Type
FoundationSlab
ViewWater
FacesWest
ExteriorIrrigation System · Lighting · Outdoor Shower · Private Mailbox · Rain Barrel/Cistern(s) · Rain Gutters

Community & fees

Taxes (2025)$27,065/yr

Utilities & systems

UtilitiesPublic
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.

$37,012 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$32,349
PMI (est., until 20% equity)$2,248
Property tax — 2025 actual bill$2,255
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $599,500Loan30-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% · $599,500
Interest rate6.00%
Loan term

Estimated payment

$37,012/mo

Principal & interest$32,349
PMI (est., until 20% equity)$2,248
Property taxes (actual bill)$2,255
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 Holmes Beach actives

$1,200 vs $901

Days on market

27 vs 95 typical

Where $1,200/sqft sits among the 138 Holmes Beach actives

21
32
39
20
7 · this home
19
$459–640$640–822$822–1003$1003–1185$1185–1366$1366+

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 526 56TH STREET

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)

75 of 138

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 384% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →

Paper trail

This home's history

Jun 24, 2026Listed at $5,995,000 · 27 days on market since
2007Built · HOLMES BEACH 12TH UNIT

Reality check

What actually sold near 526 56TH STREET

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

527 56TH STREETSold · Jan ’26

$3,075,000

527 56TH STREET · same community

3 bd · 2.5 ba · 2,436 sqft · $1,262/sqft · 12 DOM

606 CRESTWOOD LANESold · Sep ’25

$3,600,000

606 CRESTWOOD LANE

4 bd · 4 ba · 4,830 sqft · $745/sqft · 142 DOM

619 KEY ROYALE DRIVESold · Apr ’26

$8,100,000

619 KEY ROYALE DRIVE

5 bd · 7 ba · 5,332 sqft · $1,519/sqft · 348 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 526 56TH 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 526 56TH 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

526 56TH STREET FAQs

What would the monthly payment be for 526 56TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $37,012/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 526 56TH STREET?+

The most recent tax bill on record (2025) was $27,065. 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 $5,995,000, this home is listed about 336% 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 526 56TH 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

01Positioned at the premium end

$5,995,000 runs 384% above the HOLMES BEACH 34217 median — but at 4,995 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.

Listing courtesy of DUNCAN REAL ESTATE, INC. · Darcie Duncan. MLS #A4697603.

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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