$635,000
4909 Gulf Drive
Holmes Beach, FL 34217
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
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.
Local Insight
At $737/sqft, you're paying a premium for the Gulf Drive location and direct beach access, which is typical for this barrier island but worth noting given the 1987 build age and modest 862 square feet—you're really buying the lot and location, not getting modern square footage value. The AE flood zone means mandatory flood insurance will be a significant ongoing cost that should factor heavily into your true ownership expenses, so run those numbers before committing. For a serious buyer, the real question is whether the beachfront location justifies both the per-square-foot price and the flood-zone burden, since this isn't a newer construction or a particularly spacious home.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history112 days on market
- Status: ActiveJan 30, 2026
- Listed$649,000Jan 30, 2026
- Price reduced$635,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 112
- Subdivision
- Not In A Subdivision
- County
- Manatee
- Year built
- 1987
- Living area
- 862 sq ft
- Price/sq ft
- $737
- Building area
- 1,852 sq ft (Public Records)
- Lot size
- 2,516 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE
- Annual taxes
- $4,255 (2025)
- Parcel #
- 7371500609
- Zoning
- R2
- MLS #
- TB8470442
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Luxury Vinyl
- Appliances
- Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener
- Interior features
- Ceiling Fans(s), High Ceilings, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Inside, Laundry Room, Same Floor As Condo Unit
- Stories / Levels
- Multi/Split
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Parking features
- Boat, Covered, Guest, Oversized, Parking Pad
- Carport
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1 Week
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer to verify all lease restrictions.
Exterior & Construction
- Exterior features
- Balcony, Outdoor Grill, Outdoor Shower, Storage
- Construction materials
- Frame, Wood Siding
- Roof
- Metal
- Foundation
- Slab, Stilt/On Piling
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Cable Connected, Electricity Connected, Public
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 11x11 |
| Bedroom 2 | First | 10x11 |
| Kitchen | First | 12x10 |
| Living Room | First |
Listing Details
- Listing date
- 2026-01-29
- On market date
- 2026-01-30
- Original list price
- $649,000
- Occupant type
- Owner
- MLS area
- 34217 - Holmes Beach/Bradenton Beach
- Listing AOR
- Sarasota - Manatee
- Status changed
- 2026-01-30
- Tax legal description
- COM AT NW COR OF SEC 28; TH S ALG W LN OF SD SEC 28 A DIST OF 883.17 FT; TH E 35 FT TO E R/W LN OF GULF DR, SD PT BEING N LN OF LAND DEEDED TO MARY JONES (DB 36 P 131); TH CONT E ALG SD N LN 80 FT FOR A POB; TH CONT E 35 FT; TH N 75 FT; TH W 35 FT; TH S 75 FT TO THE POB; TOGETHER WITH & SUBJ TO EASMT OVER N 12.5 FT; ALSO SUBJ TO WALKWAY EASMT OVER S 5 FT THEREOF & BEING FURTHER DESC (1112/3282) PI#73715.0060/9
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
West on Manatee Ave, right on Gulf Drive. Units are right passed Anna Maria Elementary School on the right. Unit is located on the right hand side.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 22, 2026 at 1:05 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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