8106 GULF DRIVE, Holmes Beach, FL, 34217 | $1,595,000

Located on the coveted west side of Gulf Drive just one block from the Gulf, this newly renovated TURNKEY 4-bedroom, 4-bath elevated duplex (WITH DEEDED BOAT SLIP) offers the perfect setup to live in one side and rent out the other for steady income. With no streets to cross to reach the beach, you can enjoy the sound of the waves and salt air daily while generating revenue from a vacation rental next door. Each unit features two bedrooms and two full bathrooms, including a spacious owner's suite that fits a king bed with its own en suite bath, and a guest bedroom ideal for twin beds. The bright, open living areas flow into fully stocked kitchens with updated appliances and dining space, while sliding glass doors lead to private patios that are perfect for relaxing, reading, or enjoying the coastal breeze. Both units have their own ground-level laundry rooms for added convenience whether you’re living in or hosting guests. Recent updates include new flooring, paint, trim, and modern finishes throughout, giving each space a fresh coastal feel with a touch of Old Florida charm. The fenced backyard offers privacy and room to add a pool, increasing both personal enjoyment and rental appeal. A nearby boat slip is also included, ideal for your own use or to attract renters seeking waterfront access. The property is being sold fully furnished making it move-in ready and rent-ready from day one. With zoning that allows short-term vacation rentals and a prime location close to Downtown Anna Maria, shopping, dining, nightlife, and a trolley stop across the street, this duplex offers the rare opportunity to live the beach lifestyle while earning income right next door.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 4 full
  • Lot Size: 58 x 109
  • Laundry: Laundry Room
  • Year Built: 1980
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,600
  • Acreage: 0.15
  • Lot Size: 58 x 109
  • Est. Taxes: $22,894
  • View: Water
  • Elem. School: Anna Maria Elementary
  • Middle School: Martha B. King Middle
  • High School: Manatee High
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: A4666665
  • Days on Market: 143 days
  • Website: https://www.raveis.com
    /eprop/A4666665/8106gulfdrive_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 3/1/2026 4:06:53 AM)
Listing courtesy of Coldwell Banker Realty   Phone: 941-388-3966

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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8106 GULF DRIVE, Holmes Beach, FL, 34217

$1,595,000

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 $1,276,000 $1,276,000 $1,276,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.750% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.046% 5.846% 5.700%
Monthly Tax Payment $1,908 $1,908 $1,908
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $7,046 $7,446 $10,426
Total Monthly Payment $9,079 $9,479 $12,459

* 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.