405 28TH STREET, Holmes Beach, FL, 34217 | $3,235,000

Ask about our rent to own option! This newly renovated waterfront home on Anna Maria Island features nearly 80 feet of prime canal frontage, providing breathtaking views from almost every room of the property. A private boat dock and lift make this residence a paradise for boating enthusiasts, while also being only steps away from the beach. Step inside to discover a spacious open-concept living room with vaulted ceilings and two large balconies. A modern kitchen outfitted with high-end appliances, ample storage, and chic finishes overlooks your private pool and spa. The master bedroom features access to the back patio leading to the pool plus walk-in closet. The spa-like master bathroom centers around your stand-alone tub and frameless glass shower with dual his and her vanities. Recent renovations include electrical, plumbing, and air conditioning systems, impact-rated windows, new exterior siding, and a new metal roof, ensuring the home is both safe and energy-efficient. Schedule your showing today!

Features

  • Rooms: 3
  • Bedrooms: 6
  • Baths: 4 full
  • Lot Size: 80 x 120
  • Laundry: Inside
  • Style: Mid-Century Modern
  • Year Built: 1972
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,748
  • Acreage: 0.22
  • Lot Size: 80 x 120
  • Est. Taxes: $27,499
  • View: Water
  • Pool: Heated, In Ground
  • Appliances: Built-In Oven, Dishwasher, Disposal, Dryer, Refrigerator, Washer
  • MLS#: TB8418360
  • Days on Market: 100 days
  • Website: https://www.raveis.com
    /eprop/TB8418360/40528thstreet_holmesbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 12/7/2025 2:18:58 AM)
Listing courtesy of PINEYWOODS REALTY LLC   Phone: 813-225-1890

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

405 28TH STREET, Holmes Beach, FL, 34217

$3,235,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,588,000 $2,588,000 $2,588,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.440% 6.110% 5.952%
Monthly Tax Payment $2,292 $2,292 $2,292
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $14,898 $15,516 $21,491
Total Monthly Payment $17,315 $17,933 $23,908

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.