4105 4TH AVENUE, Holmes Beach, FL, 34217 | $2,690,000

STEPS FROM THE GULF – LUXURY SIX-BEDROOM COASTAL RETREAT IN HOLMES BEACH | Discover Summer’s Retreat, an architectural masterpiece where luxury meets the legendary white sands of Anna Maria Island. This remarkable six-bedroom, six-and-a-half-bath coastal estate represents one of the island’s most coveted properties—a rare find featuring six private en-suite bedrooms that seamlessly blend family sanctuary with proven investment excellence.
Step into an oasis of sophisticated design where every detail has been thoughtfully curated. The expansive open-concept living space flows effortlessly from room to room, bathed in natural light that dances across premium finishes. The gourmet chef’s kitchen stands as the heart of the home, showcasing lustrous quartz countertops, professional-grade stainless steel appliances, and an impressive bar-top island that beckons both intimate conversations and grand celebrations. Four private balconies serve as personal retreats, each capturing the gentle Gulf breezes and offering front-row seats to nature’s daily theater. Crown this experience atop the spectacular rooftop deck, where panoramic sunsets paint the sky in brilliant oranges and pinks over the endless Gulf waters.
The outdoor experience rivals any world-class resort. Immerse yourself in the heated saltwater pool with its luxurious sun shelf, perfect for lounging with a morning coffee or evening cocktail. The therapeutic spa provides the ultimate relaxation after days spent exploring island treasures. Tropical landscaping creates an intimate paradise, while the expansive covered patio transforms into an entertainer’s dream. The dedicated outdoor dining area and professional grilling station make every meal an event, whether hosting friends or enjoying quiet family moments under the stars.
Location is everything, and Summer’s Retreat delivers the extraordinary. Literally steps across the street from pristine Manatee Beach access, your morning walk to sugar-sand shores takes mere moments. The vibrant Anna Maria Island Beach Café becomes your neighborhood gathering spot, while playgrounds ensure endless fun for families. The island’s charm extends beyond your doorstep—boutique shops, acclaimed restaurants, and the complimentary island trolley create a car-free lifestyle where every amenity is within reach. This isn’t just a home; it’s a gateway to the Anna Maria Island experience.
Summer’s Retreat has established itself as a premier vacation rental destination, consistently generating exceptional returns for discerning investors. The unique combination of six en-suite bedrooms, luxury amenities, and unbeatable location creates unparalleled demand among visitors seeking the ultimate island experience. This property offers the rare opportunity to enjoy your own slice of paradise while building wealth through one of Florida’s most sought-after rental markets.
Whether you envision lazy mornings on private balconies, sunset celebrations on your rooftop deck, or poolside gatherings with loved ones, Summer’s Retreat transforms every day into a vacation. This is more than a home—it’s your personal resort, your investment sanctuary, and your gateway to the incomparable Anna Maria Island lifestyle. Experience the extraordinary. Your coastal legacy awaits.

Features

  • Rooms: 3
  • Bedrooms: 6
  • Baths: 6 full / 1 half
  • Laundry: Inside
  • Style: Coastal, Contemporary
  • Year Built: 2014
  • Garage: 2-car
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,453
  • Acreage: 0.12
  • Est. Taxes: $32,227
  • View: Water
  • Pool: Heated, In Ground, Salt Water
  • Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Range, Refrigerator
  • MLS#: TB8414779
  • Days on Market: 106 days
  • Website: https://www.raveis.com
    /eprop/TB8414779/41054thavenue_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 12:47:07 PM)
Listing courtesy of ENGEL & VOLKERS ST. PETE   Phone: 727-295-0000

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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4105 4TH AVENUE, Holmes Beach, FL, 34217

$2,690,000

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 $2,152,000 $2,152,000 $2,152,000
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 $2,686 $2,686 $2,686
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $12,388 $12,902 $17,870
Total Monthly Payment $15,199 $15,713 $20,681

* 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.