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4909 Gulf Dr APT 6B, Holmes Beach, FL, 34217

2beds
2baths
862sqft
$625,000
$725price/sqft
$4,688/moest. monthly cost
$187,520/yrincome needed

About This Home

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.

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
53
BikeBikeable

Schools

8/10
4/10
3/10
Manatee High SchoolGrades 9-127.2 mi

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Slab,Raised
  • Roof: Metal
  • Construction materials: Wood Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Elevated,Patio
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Cooktop,Dishwasher,Disposal,Dryer,Electric Water Heater,Ice Maker,Microwave,Refrigerator,Water Softener
  • Laundry features: Inside,Laundry Room,Same Floor As Condo Unit

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 110
  • Dimensions: 10x11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),High Ceilings,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Outdoor Grill,Outdoor Shower
  • Window features: Window Treatments
  • Flooring: Luxury Vinyl
  • Common walls with other units/homes: Corner Unit,End Unit

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,852
  • Total interior livable area: 862 sqft

Kitchen

  • Features: Granite Counters,Pantry
  • Level: First
  • Area: 120
  • Dimensions: 12x10

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 121
  • Dimensions: 11x11

Property

Details

  • Parcel number: 7371500609
  • Zoning: R2
  • Special condition: None

Features

  • Levels: Multi/Split
  • Patio & porch: Deck,Front Porch,Porch
  • Exterior features: Balcony,Outdoor Grill,Outdoor Shower,Storage

Lot

  • Lot size: 2,516 sqft
  • Features: Landscaped,Near Marina

Parking

  • Total spaces: 5
  • Parking features: Boat,Covered,Guest,Oversized,Parking Pad
  • Covered spaces: 5
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 5

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 $3,160$37,920
Home Insurance *$621$7,452
Property Taxes $710$8,520
Electricity $197$2,366
Total$4,688$56,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$160,731/yr
40% on housing$140,640/yr
45% on housing$125,013/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

$725This 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
2026-03-25Price change$639,000
2026-02-24Price change$645,000
2026-01-30Listed for sale$649,000
2026-01-01Listing removed--
2025-12-04Listed for sale$625,000
2017-05-26Sold$270,000
2017-03-21Price change$289,900
2017-01-09Price change$299,000
2016-12-06Price change$315,000
2016-06-16Listed for sale$319,000
1997-03-05Sold$74,000

For Sale by Agent

AgentJustin Vitalo
BrokerageEXP REALTY LLC

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