3604 GULF DRIVE, #A and B, Holmes Beach, FL, 34217 | $1,399,000

Embrace the pinnacle of island luxury with this impeccably designed, turnkey Holmes Beach duplex—operating as a successful Airbnb and ready for seamless ownership transition. Each side features two spacious bedrooms and one bath, complete with gleaming marble countertops, white shaker cabinetry, elegant, natural-flow tile backsplashes and breathtaking remodeled bathrooms. With fresh paint, brand-new flooring, and a 2022 roof, the home is both stunning and secure. Every door and window is hurricane-rated and newly installed—offering peace of mind in every detail.

Outdoors, one side boasts a heated pool with newly installed heater and a gorgeous waterfall feature, while the other side offers a soothing hot tub just installed in 2025 as well. Two outdoor showers add to the coastal experience, surrounded by lush, meticulously maintained landscaping. With five parking spots and separate entrances, you can host larger groups as a whole or individual parties in each unit and your guests will fall in love with this location when they find out public beach access is less than a block away!

This duplex is uniquely positioned for maximum rental flexibility. Weekly rentals are fully allowed, making this a prime investment. High-end furnishings down to the last detail—silverware, plates, bedding, towels—ensure a seamless guest experience. Just steps from the vibrant charm of historic Bridge Street—known for its waterfront dining, boutique shops, and lively atmosphere—and minutes from the serene Bean Point, this property is at the heart of one of Florida’s top destinations.

This is more than a home; it’s a fully operational, luxurious escape. Whether you’re continuing its rental success or claiming it for yourself, this is an unparalleled opportunity for coastal living and investment combined.

Features

  • Bedrooms: 4
  • Units: 2
  • Laundry: Laundry Room
  • Year Built: 1968
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,500
  • Acreage: 0.1
  • Est. Taxes: $14,985
  • Elem. School: Anna Maria Elementary
  • Middle School: Martha B. King Middle
  • High School: Manatee High
  • Pool: Heated, In Ground
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
  • MLS#: A4679453
  • Days on Market: 18 days
  • Website: https://www.raveis.com
    /prop/A4679453/3604gulfdrive_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 3/2/2026 3:10:55 PM)
Listing courtesy of PREFERRED SHORE   Phone: 941-999-1179

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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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  • Is available to meet with you in our office, your home or office, evenings or weekends
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3604 GULF DRIVE, #A and B, Holmes Beach, FL, 34217

$1,399,000

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 $1,119,200 $1,119,200 $1,119,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.750% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.069% 5.858% 5.787%
Monthly Tax Payment $1,249 $1,249 $1,249
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,180 $6,531 $9,219
Total Monthly Payment $7,554 $7,905 $10,593

* 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.