3607 E BAY DRIVE UNIT 206, HOLMES BEACH, FL, 34217
Active67 days on marketListed May 17, 2026MLS #A4693831
About this home
3607 E BAY DRIVE UNIT 206
SUMMER SEASONAL RATE, BUT ANNUAL LEASE! UNFURNISHED ANNUAL LEASE, OR FURNISHINGS OPTIONAL!! Don't miss this opportunity to LIVE 2 1/2 Blocks to Holmes Beach & be close to many of Manatee County's beautiful beaches, including Anna Maria. Spacious and bright 2 bedroom, 2 bath condo with Water Views. This amazing unit features a carport and two storage areas. Updated Kitchen & Baths, Vinyl Plank floors, and lovely furnishings OR RENT IT UNFURNISHED! Relax and enjoy the Gulf, Preserve & Intercoastal views from the screened balcony. High Ceilings, Granite counters, Stacking full size washer & dryer in the Kitchen, plus Pantry closet. The Primary Bedroom features a Queen size bed, Walk in closet, and Ensuite bathroom. The second bedroom has twin beds and a large closet. The living room and dining room have views across mangroves to Intracoastal Waterway. Carport is deep with extra storage for beach chairs, bicycles, and more. The community has a Heated Saltwater Pool. Publix shopping center & Trolley stop right across the street to all of the beaches & restaurants. No Pets allowed.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
980
Sqft
0 ac
Lot size
1996
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$3 vs $902
Days on market
67 vs 95 typical
Where $3/sqft sits among the 141 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)
76 of 141
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 100% below the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3607 E BAY DRIVE UNIT 206
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$835,000
104 29TH STREET UNIT 3
2 bd · 1.5 ba · 976 sqft · $856/sqft · 227 DOM
Sold · Jul ’26$925,000
3013 AVENUE F UNIT D5
2 bd · 2 ba · 984 sqft · $940/sqft · 0 DOM
Sold · Jul ’25$850,000
1800 GULF DRIVE N UNIT 112
2 bd · 2 ba · 952 sqft · $893/sqft · 8 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3607 E BAY DRIVE UNIT 206 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3607 E BAY DRIVE UNIT 206 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3607 E BAY DRIVE UNIT 206 FAQs
What would the monthly payment be for 3607 E BAY DRIVE UNIT 206?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3607 E BAY DRIVE UNIT 206?+
The listing reports pets: No. 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 $2,495, this home is listed about 100% below 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 3607 E BAY DRIVE UNIT 206?+
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
01Under the HOLMES BEACH 34217 market on paper
$2,495 is 100% below the HOLMES BEACH 34217 median of $1,250,000, and at $3/sqft it sits under the Holmes Beach average of $939.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
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 $2,975, now $2,495 — a $480 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Kathy Liga. MLS #A4693831.
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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