
201 N HARBOR DRIVE, HOLMES BEACH, FL, 34217
Active51 days on marketListed Jun 3, 2026MLS #TB8509893
About this home
201 N HARBOR DRIVE
Located in the heart of Holmes Beach on Anna Maria Island, this reimagined waterfront home offers deep-water boating access, direct Gulf views, elevator access, and a beach location that is hard to beat, just steps from the front door to the sand. Set on one of the closest canal-front streets to the beach, the property provides protected dockage, quick access to Tampa Bay, downtown St. Petersburg, and the Gulf of Mexico, along with the everyday ease of true island living. Originally rebuilt from the block in 2022 in collaboration with Richard Haas, the home was thoughtfully redesigned with clean architectural lines, quality coastal construction, and low-maintenance ownership in mind. The result is a modern Anna Maria Island waterfront residence built for comfort, efficiency, and long-term durability without sacrificing style, function, or quality. Inside, the living spaces were designed to maximize natural light and keep water views connected to daily life. The main living area, kitchen, and secondary primary suite all capture direct Gulf views, while large glass openings connect the interior spaces to the outdoor terraces. A custom floating red oak staircase serves as a striking architectural focal point and adds warmth to the clean modern design. The kitchen was designed for both entertaining and everyday use, featuring Cosentino Quartz counters, custom full-height cabinetry, JennAir Professional appliances, and a walk-in pantry. More than fifteen slabs of quartz were incorporated throughout the kitchen and bedroom suites, creating a consistent level of finish throughout the home. Smart-home features, remote-controlled shades, custom lighting, elevator access, and thoughtfully curated finishes contribute to a comfortable and efficient living environment. The primary suite offers a private retreat with a custom-built walk-in closet and a spa-inspired bath featuring Toto fixtures, dual vanities, and multi-function shower features. Additional upgrades include dual high-efficiency HVAC systems, buried gas storage, generator readiness, tankless water heaters, and water-softening systems. A newly installed dock and Golden boat lift accommodate larger vessels, while recent dredging improves canal access for serious boaters. A pool has been permitted, allowing the next owner to create a custom outdoor living space without navigating the island's permitting process from the beginning. Combining modern coastal architecture, deep-water boating access, Gulf views, updated construction, and one of the most walkable beach locations on Anna Maria Island, this Holmes Beach waterfront residence represents a rare opportunity within Florida's luxury coastal market. Easy access to North bridge/Manatee Ave via two different routes. Note: Pool is AI generated and is not present on the property, however permit is approved and pool is included in the price.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,928
Sqft
0.16 ac
Lot size
4
Garage
1985
Year built
Three Or More
Levels
$1,082
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.
$26,200 /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
$26,200/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
$1,082 vs $902
Days on market
51 vs 95 typical
Where $1,082/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)
75 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 240% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 201 N HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,450,000
229 S HARBOR DRIVE · same community
3 bd · 2 ba · 1,386 sqft · $1,046/sqft · 58 DOM
Sold · Oct ’25$4,425,000
112 50TH STREET
4 bd · 5.5 ba · 3,791 sqft · $1,167/sqft · 168 DOM
Sold · Aug ’25$7,030,205
531 68TH STREET
5 bd · 5.5 ba · 3,787 sqft · $1,856/sqft · 55 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 201 N HARBOR DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 201 N HARBOR DRIVE — 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
201 N HARBOR DRIVE FAQs
What would the monthly payment be for 201 N HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $26,200/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 201 N HARBOR DRIVE?+
The most recent tax bill on record (2025) was $18,164. 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 201 N HARBOR DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $4,250,000, this home is listed about 209% 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 201 N HARBOR DRIVE?+
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
$4,250,000 runs 240% above the HOLMES BEACH 34217 median — but at 3,928 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 $4,500,000, now $4,250,000 — a $250K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jennifer Zales. MLS #TB8509893.
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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