5400 GULF DRIVE, #18, Holmes Beach, FL, 34217 | $675,000

1+ BEDROOM BEACHFRONT CONDO WITH NO FLOOD DAMAGE, offered fully furnished and move-in ready in one of Anna Maria Island's most welcoming communities. Rarely does an affordable beachfront opportunity like this become available. Enjoy the perfect blend of island comfort, convenience, and community, with condo fees covering nearly everything except electricity, making ownership simple and stress-free. Start your mornings with sunrise walks along the Gulf, spend afternoons poolside, and end your evenings watching spectacular sunsets from the beachfront community patio while visiting with neighbors and friends.

Inside, you'll find a spacious living area with neutral coastal décor, creating a relaxed atmosphere for gathering with family and friends after a day at the beach. The versatile bonus room provides the flexibility to create an additional sleeping area, comfortably accommodating up to four adults. Enjoy peaceful courtyard views overlooking the lush tropical landscaping from your private patio, the perfect spot for morning coffee or evening relaxation.

The kitchen features wood cabinetry and granite countertops, and the dining area includes an expandable table for entertaining guests. Ample storage is available with four interior closets plus a large exterior storage closet for all your beach gear. Additional features include 8-foot ceilings, in-unit laundry, covered parking, and guest parking.

Here, the beach isn't just nearby—it's part of everyday life. Step outside and within moments your toes are in the sand. Spend your days enjoying two large heated community pools, beautifully maintained grounds, and tropical landscaping that creates a true resort-style setting. The community clubhouse hosts social gatherings and offers additional laundry facilities for owners.

Properties in this highly sought-after beachfront community rarely become available. More than just a condo, this is an opportunity to embrace the relaxed island lifestyle and own a special piece of paradise that is becoming increasingly difficult to find. *Only Murphy bed photos are virtually staged showing the versatile use for the bonus room/sun room as a second sleeping area for guests.

Features

  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 2
  • Amenities: Cable TV, Laundry, Maintenance, Pool
  • Rooms: 10
  • Bedrooms: 1
  • Baths: 1 full
  • Laundry: Common Area, Electric Dryer Hookup, Inside, Laundry Room, Same Floor As Condo Unit, Washer Hookup
  • Complex: 5400 GULF DRIVE APTS
  • Year Built: 1964
  • Approx Sq. Feet: 810
  • Est. Taxes: $1,727
  • Condo Fee: $1,220 Monthly
  • Lot Desc: FloodZone, City Lot, In County, Landscaped, Level, Near Public Transit, Sidewalk
  • Adult Communities: Yes
  • Water Front: Yes
  • Elem. School: Anna Maria Elementary
  • Middle School: Martha B. King Middle
  • High School: Manatee High
  • Pool: Deck, Gunite, Heated, In Ground, Lap
  • Pet Policy: No
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4695664
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /prop/A4695664/5400gulfdrive_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 7/1/2026 2:14:06 PM)
Listing courtesy of KELLER WILLIAMS ON THE WATER   Phone: 941-729-7400

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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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5400 GULF DRIVE, #18, Holmes Beach, FL, 34217

$675,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $540,000 $540,000 $540,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.640% 5.972%
Monthly Tax Payment $144 $144 $144
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,281 $3,410 $4,484
Total Monthly Payment $3,517 $3,646 $4,720

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.