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5400 GULF DRIVE #18, Holmes Beach, FL, 34217

1beds
1baths
810sqft
$675,000
$833price/sqft
$5,007/moest. monthly cost
$200,280/yrincome needed

About This Home

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.

Getting Around

62
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

9/10
4/10
3/10
Manatee High SchoolGrades 8-127.6 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1964

Materials

  • Foundation: Block,Slab
  • Roof: Tile
  • Construction materials: Block,Stucco

Type & Style

  • Home type: Condo
  • Architectural style: Coastal
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Common Area,Electric Dryer Hookup,Inside,Laundry Room,Same Floor As Condo Unit,Washer Hookup

Bathroom1

  • Features: Exhaust Fan
  • Level: First
  • Area: 45
  • Dimensions: 5x9

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Bonus Room

  • Features: Built-in Closet
  • Level: First
  • Area: 15
  • Dimensions: 7.5x2

Bonus Room

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 14
  • Dimensions: 4x3.5

Bonus Room

  • Features: No Closet
  • Level: First
  • Area: 103.5
  • Dimensions: 9x11.5

Bonus Room

  • Features: Linen Closet
  • Level: First
  • Area: 7
  • Dimensions: 3.5x2

Dining Room

  • Level: First
  • Area: 90
  • Dimensions: 6x15

Features

  • Living Room/Dining Room Combo,Primary Bedroom Main Floor,Solid Wood Cabinets,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Outdoor Grill
  • Window features: Window Treatments,Hurricane Shutters,Hurricane Shutters/Windows
  • Flooring: Engineered Hardwood,Terrazzo
  • Common walls with other units/homes: End Unit

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 838
  • Total interior livable area: 810 sqft

Kitchen

  • Features: Built-In Shelving,Pantry,Granite Counters
  • Level: First
  • Area: 64
  • Dimensions: 8x8

Living Room

  • Level: First
  • Area: 175
  • Dimensions: 14x12.5

Primary Bedroom

  • Features: Built-in Closet
  • Level: First
  • Area: 156
  • Dimensions: 12x13

Utility Room

  • Level: First
  • Area: 18
  • Dimensions: 3x6

Property

Details

  • Parcel number: 7276200008
  • Attached to another structure: Yes
  • Zoning: A1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Deck,Gunite,Heated,In Ground,Lap
  • Patio & porch: Covered,Patio,Rear Porch
  • Exterior features: Irrigation System,Outdoor Grill,Private Entrance,Private Mailbox,Rain Gutters,Sidewalk,Storage
  • On waterfront: Yes
  • Waterfront features: Gulf/Ocean Front,Waterfront,Beach,Gulf/Ocean,Gulf/Ocean Access
  • Waterbody name: GULF OF MEXICO
  • Residential vegetation: Trees/Landscaped

Lot

  • Features: FloodZone,City Lot,In County,Landscaped,Level,Near Public Transit,Sidewalk

Parking

  • Total spaces: 1
  • Parking features: Assigned,Ground Level,Reserved
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingVery High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Manatee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,413$40,956
Home Insurance *$671$8,052
Property Taxes $726$8,712
Electricity $197$2,366
Total$5,007$60,084
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,668/yr
40% on housing$150,210/yr
45% on housing$133,520/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$833This listing

vs Other Active Listings

Avg $/sqft

ZIP 34217$768
Manatee County$264

vs Homes Sold Last Month

Median $/sqft

ZIP 34217$831
Manatee County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-07Listed for sale$675,000
2021-03-22Sold$300,000
2015-03-02Sold$245,000
2015-01-17Listed for sale$249,900
2014-08-13Listing removed$259,000
2014-02-13Listed for sale$259,000
2005-03-07Sold$282,000

For Sale by Agent

AgentKim Bowersox
BrokerageKELLER WILLIAMS ON THE WATER

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