115 AQUA LANE, HOLMES BEACH, FL, 34217
Active10 days on marketListed Jul 14, 2026MLS #A4699923
About this home
115 AQUA LANE
Where Coastal Elegance Meets Island Paradise. Just steps from the powder-soft sands and shimmering turquoise Gulf Waters with beach access path, 113 Aqua Lane is an extraordinary 3-bedroom, 3.5-bath luxury retreat designed to delight the senses and create unforgettable memories. Perfectly nestled on the coveted northern end of the City of Holmes Beach, just steps from the City of Anna Maria, this exceptional residence embodies the effortless sophistication and laid-back beauty that make Anna Maria Island one of Florida’s most treasured destinations. Masterfully curated by a professional interior designer, every room is a showcase of timeless coastal elegance. From the stunning furnishings and custom bedspreads to the exquisite designer pillows and carefully selected finishes, each space has been thoughtfully crafted to evoke both comfort and luxury. Thoughtfully designed for both luxury and ease, a private elevator elevates the experience, providing effortless access to every beautifully curated level of this exceptional island retreat. The result is a home that feels less like a vacation rental and more like your own private boutique resort. Spacious and beautifully appointed bedroom suites provide a tranquil sanctuary, each with luxurious en-suite accommodations designed for ultimate comfort. Stroll to the beach for morning walks, shelling adventures, and breathtaking Gulf sunsets, then return home to enjoy the finest of island living. Ideally located near charming boutiques, acclaimed restaurants, and the free Anna Maria Island trolley, you’ll experience the very best of this enchanting coastal paradise.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,434
Sqft
0.15 ac
Lot size
2
Garage
2024
Year built
Three Or More
Levels
$5
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$290 /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
$290/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$5 vs $902
Days on market
10 vs 95 typical
Where $5/sqft sits among the 141 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 141
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 99% 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 115 AQUA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$465,000
8016 Edgemere Lane, Palm Beach Gardens FL 33410 · same community
3 bd · 3 ba · 1,818 sqft · $256/sqft · 61 DOM
Sold · Jul ’25$375,000
304 34TH STREET W · same community
3 bd · 2 ba · 1,426 sqft · $263/sqft · 4 DOM
Sold · Apr ’26$265,000
322 34TH STREET W · same community
2 bd · 2 ba · 656 sqft · $404/sqft · 150 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 115 AQUA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 115 AQUA LANE — 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
115 AQUA LANE FAQs
What would the monthly payment be for 115 AQUA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $290/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 115 AQUA LANE?+
The listing reports pets: Dogs OK, 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 $18,000, this home is listed about 99% 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 115 AQUA LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Alex Lane. MLS #A4699923.
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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