4909 GULF DRIVE UNIT 6B, HOLMES BEACH, FL, 34217
Active175 days on marketListed Jan 30, 2026MLS #TB8470442
About this home
4909 GULF DRIVE UNIT 6B
Elevated and fully updated coastal retreat on beautiful Anna Maria Island with NO HOA! Built for peace of mind with a newer metal roof, newer deck, HVAC system with brand new UV light and air scrubber, impact windows and doors with a lifetime warranty. The property has been meticulously maintained with a transferrable termite warranty, updated landscaping, outdoor shower, and covered parking for up to five vehicles. Offered fully furnished and ready for you to enjoy the option of flexible income potential with the ability to short term rent while owning a slice of island life near the Gulf beaches, dining, and laid-back charm of Holmes Beach.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
862
Sqft
0.06 ac
Lot size
1987
Year built
Multi/Split
Levels
$737
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.
$4,179 /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
$4,179/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 NOT IN A SUBDIVISION
$737 vs $258
Days on market
175 vs 95 typical
Where $737/sqft sits among the 20 homes for sale in NOT IN A SUBDIVISION
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)
10 of 20
NOT IN A SUBDIVISION have cut their price
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 49% 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 4909 GULF DRIVE UNIT 6B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$220,000
4140 OLD DIXIE HIGHWAY · same community
2 bd · 2 ba · 936 sqft · $235/sqft · 4 DOM
Sold · Nov ’25$150,000
2185 BROOKE ROAD · same community
2 bd · 1 ba · 784 sqft · $191/sqft · 122 DOM
Sold · Oct ’25$155,000
5426 NE HIGHWAY 349 · same community
2 bd · 2 ba · 960 sqft · $161/sqft · 13 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 4909 GULF DRIVE UNIT 6B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4909 GULF DRIVE UNIT 6B — 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
4909 GULF DRIVE UNIT 6B FAQs
What would the monthly payment be for 4909 GULF DRIVE UNIT 6B?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,179/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 4909 GULF DRIVE UNIT 6B?+
The most recent tax bill on record (2025) was $4,255. 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 $635,000, this home is listed about 54% 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 4909 GULF DRIVE UNIT 6B?+
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
$635,000 is 49% below the HOLMES BEACH 34217 median of $1,250,000, and at $737/sqft it sits under the Holmes Beach average of $939.
02Strong 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.
03The price has already moved
Listed at $649,000, now $635,000 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Justin Vitalo. MLS #TB8470442.
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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