203 N HARBOR DRIVE, HOLMES BEACH, FL, 34217
Active186 days on marketListed Jan 19, 2026MLS #A4678835
About this home
203 N HARBOR DRIVE
A rare waterfront opportunity just became irresistible!!! Luxury 5 Bedroom Waterfront + Dock | 3-Min Walk to Beach -Exceptional waterfront retreat perfectly positioned in the heart of Anna Maria Island. Just a three-minute stroll to the soft sugar sands of Manatee Beach, this stunning five-bedroom, three-and-a-half-bath residence delivers coastal luxury at every turn—complete with a private dock with ladder where manatees often glide by, a heated pool and spa, and a show-stopping rooftop deck with Gulf and Bay views. Designed for unforgettable gatherings, Coral Castle seamlessly blends upscale comfort with relaxed island charm! Outdoor Living at Its Finest, the rooftop deck is the crown jewel of Coral Castle—offering breathtaking sunrise and sunset views over both the Gulf and Bay. Start your mornings with coffee and ocean breezes or unwind in the evening with a cocktail as the sky glows in brilliant island hues. The tropical backyard is a private sanctuary featuring a heated pool, spa, lounge seating, and outdoor grill, perfect for post-beach relaxation or entertaining under the stars. From the private dock, enjoy peaceful water views—and keep watch for friendly manatees passing by, an unforgettable hallmark of island living. Stylish Interiors Made for Comfort-Step inside to a bright, open-concept living space filled with natural light and coastal elegance. The living room offers plush seating, a flat-screen TV, and sliding glass doors that open directly to the outdoor patio—blurring the line between indoor and outdoor living. The chef-inspired kitchen is fully equipped with stainless steel appliances, generous counter space, and a wine fridge, making meal prep effortless. Gather inside at the dining table or dine alfresco beneath the covered patio for a true island experience. Sleep in Luxury- Primary Suite: King bed, private balcony, vaulted shiplap ceiling, walk-in closet, spa-style ensuite with soaking tub and walk-in shower; Second Bedroom: King bed, Jack-and-Jill bathroom with walk-in shower; Third Bedroom: King bed, Jack-and-Jill bathroom with walk-in shower; Fourth Bedroom: Full bed, Jack-and-Jill bathroom with shower/tub combo; and Fifth Bedroom: Full bed, Jack-and-Jill bathroom with shower/tub combo. Prime Island Location- Enjoy peaceful mornings fishing from the dock or take a short drive to Pine Avenue and Bridge Street, where you’ll discover charming boutiques, local dining, and island favorites. Whether your days are spent boating, lounging by the pool, or soaking in rooftop views, Coral Castle delivers the perfect balance of relaxation and adventure. Every detail is designed to create lasting memories—from manatee sightings to sunset cocktails on the rooftop. This is more than a stay—it’s a true Anna Maria Island experience. Currently operating as a vacation rental with solid history and a strong start to 2026—ideal personal-use + income opportunity.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,636
Sqft
0.14 ac
Lot size
2
Garage
2011
Year built
Three Or More
Levels
$1,136
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$21,058 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$21,058/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Holmes Beach actives
$1,136 vs $902
Days on market
186 vs 95 typical
Where $1,136/sqft sits among the 140 Holmes Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Holmes Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Holmes Beach. See the full Holmes Beach guide →
HOLMES BEACH 34217 — neighborhood snapshot
Population
3,774
Median age
69.2
Median income
$90,278
Median home value
$636,300
Avg household
1.8
Households w/ children
130
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Holmes Beach market
$875K → $850K
Holmes Beach median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
75 of 140
Holmes Beach actives have cut their price
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 142% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 203 N HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,450,000
229 S HARBOR DRIVE · same community
3 bd · 2 ba · 1,386 sqft · $1,046/sqft · 58 DOM
Sold · Dec ’25$2,650,000
615 CONCORD LANE
4 bd · 4.5 ba · 2,625 sqft · $1,010/sqft · 154 DOM
Sold · Mar ’26$3,100,000
6605 GULF DRIVE
4 bd · 4.5 ba · 2,659 sqft · $1,166/sqft · 26 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 203 N HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 N HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
203 N HARBOR DRIVE FAQs
What would the monthly payment be for 203 N HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,058/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 203 N HARBOR DRIVE?+
The most recent tax bill on record (2024) was $43,372. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 203 N HARBOR DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Holmes Beach?+
At $2,995,000, this home is listed about 118% above the Holmes Beach median of $1,375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 203 N HARBOR DRIVE?+
Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$2,995,000 runs 142% above the HOLMES BEACH 34217 median — but at 2,636 sqft it's also 71% larger than the typical Holmes Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Anna Maria Elementary School, Martha B. King Middle School, Bayshore High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $3,500,000, now $2,995,000 — a $505K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BLUESRQ REAL ESTATE INC · Shauna Ruby. MLS #A4678835.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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