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2811 Gulf Dr, Holmes Beach, FL, 34217

2beds
3baths
1,014sqft
$879,000
$867price/sqft
$6,969/moest. monthly cost
$278,760/yrincome needed

About This Home

Experience the ultimate Florida beach lifestyle in this elevated 2-bedroom, 2-bathroom coastal retreat situated just steps from the pristine white sands of the Gulf. This home exudes classic island charm with modern peace of mind, featuring full impact-rated windows and doors along with durable Hardie siding designed for long-lasting beauty and protection. The exterior is anchored by a sprawling paver driveway and professional tropical landscaping, leading to a versatile covered under-house area perfect for shaded relaxation or gear storage after a day on the water. The property also boasts ample garage space that offers incredible flexibility, with plenty of room that could easily be converted into a game room or additional lounge area. Inside, the open-concept living space is bathed in natural light and anchored by rich wood flooring that flows throughout the main areas. The chef-inspired kitchen is well-appointed with warm wood cabinetry, granite countertops, and a suite of stainless steel appliances, all centered around a large breakfast bar that overlooks the dining and living zones. Offered fully furnished for the buyer’s convenience, this home is truly move-in ready and designed for immediate enjoyment. Step through elegant French doors to the expansive covered porch, an ideal setting for al fresco dining and morning coffee in the coastal breeze. Whether you are looking for a primary residence or a seasonal getaway, this turnkey coastal gem offers the rare opportunity to live life just minutes from the water’s edge.

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
57
BikeBikeable

Schools

8/10
4/10
3/10
Manatee High SchoolGrades 9-126.8 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1979

Materials

  • Foundation: Slab,Raised
  • Roof: Shingle
  • Construction materials: Block,HardiPlank Type,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Washer
  • Laundry features: Laundry Closet

Bathroom2

  • Features: No Closet
  • Level: Second
  • Area: 35
  • Dimensions: 5x7

Bedroom2

  • Features: Built-in Closet
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: Second
  • Area: 90
  • Dimensions: 10x9

Features

  • Ceiling Fan(s),Thermostat
  • Flooring: Luxury Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 2,392
  • Total interior livable area: 1,014 sqft

Kitchen

  • Features: No Closet
  • Level: Second
  • Area: 120
  • Dimensions: 10x12

Living Room

  • Features: No Closet
  • Level: Second
  • Area: 384
  • Dimensions: 24x16

Primary Bathroom

  • Features: No Closet
  • Level: Second
  • Area: 35
  • Dimensions: 5x7

Primary Bedroom

  • Features: Built-in Closet
  • Level: Second
  • Area: 156
  • Dimensions: 13x12

Property

Details

  • Parcel number: 7475800004
  • Zoning: R1
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Private Entrance,Private Mailbox

Lot

  • Lot size: 5,001 sqft
  • Lot size dimensions: 50 x 100

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached,Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 3
  • Carport: Yes
  • Carport spaces: 2

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 $4,444$53,328
Home Insurance *$874$10,488
Property Taxes $1,454$17,448
Electricity $197$2,366
Total$6,969$83,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$238,937/yr
40% on housing$209,070/yr
45% on housing$185,840/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

$867This listing

vs Other Active Listings

Avg $/sqft

ZIP 34217$766
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
2026-04-30Listed for sale$879,000
2010-04-07Sold$230,000
2010-01-30Listed for sale$275,000
2009-12-25Listing removed$325,000
2009-11-25Listed for sale$325,000
2002-11-01Sold$275,000
2000-07-06Sold$75,000

For Sale by Agent

AgentJoey Hutchinson
BrokerageDUNCAN REAL ESTATE, INC.

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