243 S HARBOR DRIVE, Holmes Beach, FL, 34217 | $3,100,000

This almost brand-new, (2024) fully furnished 4-bedroom, 4. 5-bath luxury residence delivers the perfect blend of island relaxation and modern sophistication. Built to the highest standards and unaffected by recent hurricanes, it offers peace of mind along with exceptional design. A charming front entry welcomes you into a bright, open great-room floor plan that seamlessly connects the living area, dining space, and chef’s kitchen. The kitchen features a large entertaining island, premium finishes, and generous seating—ideal for hosting family and friends.
The primary suite is a serene retreat with a spa-style ensuite bath, creating a private sanctuary for unwinding after a day in the sun. Two more king bedrooms all with en-suite bathrooms allow privacy for guests. Everyone will love the bunk room also with en-suite bathroom.
Step outside to expansive outdoor spaces surrounded by lush tropical landscaping. Enjoy the Florida sunshine by the heated pool and infinity edge spa, relax with a drink in hand, or gather for evening conversations under the stars. The turfed backyard provides a lush area for pets and additional seating areas.
The home also features rooftop deck with sweeping intercoastal water views, perfect for taking in unforgettable sunsets. Multiple balconies around the allows you to enjoy the incredible island weather.
A spacious 2-car garage provides room for vehicles, a golf cart, and additional storage. Every detail has been thoughtfully designed for comfort, convenience, and effortless island living.
Situated in one of Anna Maria Island’s most desirable areas, this home places you moments from everything that makes island life special. Take advantage of the private community boat ramp and quick access to the beautiful waters of Tampa Bay and the Gulf.
Currently utilized as a short-term vacation rental with great rental revenue and many 5-star reviews, this home provides a fantastic investment opportunity.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Lot Size: 65 x 78
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Key West
  • Year Built: 2024
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 2,016
  • Acreage: 0.12
  • Lot Size: 65 x 78
  • Est. Taxes: $8,421
  • Lot Desc: Flood Insurance Required, FloodZone, In County
  • View: City
  • Pool: Gunite, Heated, In Ground, Lighting
  • Pet Policy: Dogs OK
  • Appliances: Convection Oven, Dishwasher, Disposal, Exhaust Fan, Freezer, Microwave, Range, Range Hood, Refrigerator, Washer
  • MLS#: A4684027
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /eprop/A4684027/243sharbordrive_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 3/28/2026 11:45:32 PM)
Listing courtesy of LESLIE WELLS REALTY, INC.   Phone: 941-776-5571

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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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243 S HARBOR DRIVE, Holmes Beach, FL, 34217

$3,100,000

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 $2,480,000 $2,480,000 $2,480,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.385% 6.223%
Monthly Tax Payment $702 $702 $702
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $14,670 $15,270 $20,928
Total Monthly Payment $15,497 $16,097 $21,755

* 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.