4003 5TH AVENUE, Holmes Beach, FL, 34217 | $1,498,000

Huge Price Improvement ~ Buyer Financing Fell through & Back on the Market!! Mediterranean-inspired coastal luxury meets the laid-back charm of island living in this fully furnished, elevated Anna Maria Island Villa, "Island Oasis", just one block from the Gulf and a short stroll to Skinny’s and Manatee Beach. With no active HOA, this Single-Family Home offers complete privacy and freedom, and its solid construction has stood strong through recent storms, with no damage to the upstairs living spaces. From the moment you arrive, the villa welcomes you with calm and serenity, its warm stucco façade, terracotta-inspired roofline, and lush landscaping creating a private coastal oasis. Inside, light-filled spaces with high ceilings, crown molding, and natural wood accents balance sophistication with approachable comfort, setting the stage for effortless island living. The open kitchen, featuring wood cabinetry, tile backsplash, an eat-at island, and newer stainless appliances, flows seamlessly into the both and great room and the dining area, which spills through glass sliders onto the front piazza and down to the private pool and courtyard, where late-morning sun transitions into warm afternoon light, illuminating terraces and tropical plantings in a golden glow.

Designed for multigenerational living or extended stays with friends, the villa sleeps 8+, including two king suites, a third bedroom with two queen beds, and a pullout in the great room. The primary suite offers a private balcony and spa-inspired bath with a clawfoot soaking tub and walk-in shower, creating a personal retreat after a morning on the beach or a day exploring the island. A rooftop terrace crowns the home, offering 360° sunrise and sunset views with peek a boo views of the Gulf and Bay, perfect for evening cocktails, quiet reflection, or simply enjoying coastal breezes over the swaying palm trees. The pool, recently resurfaced and upgraded with new coping, pavers, heater, and pump, invites sun-drenched afternoons and evening swims, while shaded terraces and intimate courtyard spaces create a tropical escape for dining or lounging with ease.

Turnkey and meticulously maintained, this single family home boasts major upgrades including a new roof (24), refrigerator(24), dishwasher (25), washer and dryer (24), AC units (20 & 17), and water heaters (25 & 19), providing peace of mind for both owners and guests. Just steps from the soft white sands of the Gulf, accessible across a short grassy path, visitors can stroll, swim, or simply relax under the sun. Its elevated position ensures comfort and safety during storms while maximizing airflow and views. Proximity to Pine Avenue, boutique shops, waterfront dining, and the free island trolley makes exploring the island effortless—from casual breakfasts and sunset drinks to leisurely shopping and local cultural experiences.

With its combination of intimate, Mediterranean-style indoor and outdoor spaces, effortless beach access, lush terraces, and rooftop retreat, this villa is equally perfect as a private getaway or an income-producing rental. The elevated single-family construction, and hurricane-resistant design, make it a rare opportunity to own a resilient, turnkey coastal home in one of Florida’s most desirable destinations. Embrace the Anna Maria Island lifestyle—sun, sand, and serene coastal living await.

Features

  • Rooms: 10
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Style: Mediterranean
  • Year Built: 2003
  • Garage: 2-car Covered, Driveway, Oversized
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,200
  • Acreage: 0.11
  • Est. Taxes: $22,346
  • Lot Desc: Landscaped
  • Elem. School: Anna Maria Elementary
  • Middle School: Martha B. King Middle
  • High School: Manatee High
  • Pool: Heated, In Ground
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: A4669926
  • Days on Market: 56 days
  • Website: https://www.raveis.com
    /eprop/A4669926/40035thavenue_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 2/28/2026 11:42:43 PM)

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NMLS Mortgage Loan Originator ID 38342

978.314.1072

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4003 5TH AVENUE, Holmes Beach, FL, 34217

$1,498,000

The Maureen Moran Team

REALTORS

William Raveis Real Estate

Phone: 978.884.8211

TheMaureenMoranTeam@raveis.com

Joanne O'Keefe

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 978.314.1072

Joanne.OKeefe@raveis.com

NMLS Mortgage Loan Originator ID 38342

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,198,400 $1,198,400 $1,198,400
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 $1,862 $1,862 $1,862
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,618 $6,994 $9,792
Total Monthly Payment $8,605 $8,981 $11,779

* 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.