121 48TH STREET, HOLMES BEACH, FL, 34217
Active46 days on marketListed Jun 8, 2026MLS #A4695108
About this home
121 48TH STREET
Exceptional Corner Lot — Steps to the Beach in Holmes Beach Rare opportunity to build your dream island retreat on this combined double lot, totaling approximately 10,000 sqft on a desirable corner parcel in the heart of Holmes Beach. Just steps from the sugar-white sands and sparkling Gulf waters — and zoned for weekly rentals — this property offers endless possibilities to create a custom coastal residence with ample room for a private pool, outdoor entertaining space, and lush tropical landscaping. Set in a central island location near local restaurants, boutique shopping, and island attractions, it blends the charm of relaxed beach living with outstanding investment potential. Whether envisioned as a luxury primary residence, a vacation getaway, or an income-producing rental, this is a unique chance to secure a spacious piece of paradise in one of Anna Maria Island's most coveted locations.
Facts & features
The home at a glance
0.22 ac
Lot size
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.
$12,472 /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
$12,472/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.
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)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% 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 121 48TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$2,150,000
106 49TH STREET · same community
3 bd · 3 ba · 2,489 sqft · $864/sqft · 32 DOM
Sold · Oct ’25$4,425,000
112 50TH STREET · same community
4 bd · 5.5 ba · 3,791 sqft · $1,167/sqft · 168 DOM
Sold · Aug ’25$4,665,000
116 50TH STREET · same community
6 bd · 6.5 ba · 4,332 sqft · $1,077/sqft · 216 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 121 48TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 48TH STREET — 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
121 48TH STREET FAQs
What would the monthly payment be for 121 48TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,472/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 121 48TH STREET?+
The most recent tax bill on record (2025) was $9,589. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Holmes Beach?+
At $1,995,000, this home is listed about 45% 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 121 48TH STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of DUNCAN REAL ESTATE, INC. · Darcie Duncan. MLS #A4695108.
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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