420 63RD STREET, HOLMES BEACH, FL, 34217
Active1 days on marketListed Jul 24, 2026MLS #A4700759
About this home
420 63RD STREET
Canal-Front Investment Opportunity! Contractors, investors, and renovators—don't miss this exceptional waterfront opportunity in Holmes Beach! This 2-bedroom, 2-bath canal-front half duplex is ready for its next chapter and offers tremendous upside in one of Anna Maria Island's most sought-after locations. Situated on a deep-water canal with direct access to open water and no bridges, this property is a boater's dream and is located just a few short blocks from the pristine Gulf beaches. Whether you're looking to renovate and resell, create a high-end vacation retreat, or build long-term equity, the location alone makes this property a standout investment. Following storm damage, the drywall has been removed approximately four feet from the floor, allowing the new owner to begin renovations without the expense of demolition. The property is ready to be rebuilt and customized to your vision. Both bedrooms have ensuite bathrooms with updated showers and walk in closets. The back bedroom has a nice canal view. Major improvements already completed include: Re-pipe entire unit (2020) Replacement windows and sliding doors (2020) Carrier 2-ton Coastal Series A/C system (2022) Shingle roof replaced (2012) Flat roof replaced (2024) Seawall cap replaced (2011) Waterfront properties with bridge-free boating access and this level of renovation potential are becoming increasingly difficult to find on Anna Maria Island. Bring your contractor, your imagination, and your plans to transform this diamond in the rough into an exceptional island property. Being sold As-Is. An outstanding opportunity for cash buyers, investors, builders, or anyone looking to create significant value in a prime Holmes Beach waterfront location.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,130
Sqft
0.08 ac
Lot size
1972
Year built
One
Levels
$530
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 and the real association fee — not generic estimates.
$4,503 /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
$4,503/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 51% below the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
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 420 63RD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 63RD STREET — 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
420 63RD STREET FAQs
What would the monthly payment be for 420 63RD STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,503/mo — principal and interest, the actual property-tax bill, the $150/mo association fee 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.
How much are the HOA fees at 420 63RD STREET?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 63RD STREET?+
The most recent tax bill on record (2026) was $8,835. 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 420 63RD STREET?+
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 $599,000, this home is listed about 56% 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 420 63RD 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.
The brief
Four things that matter here
01Under the HOLMES BEACH 34217 market on paper
$599,000 is 51% below the HOLMES BEACH 34217 median of $1,225,000, and at $530/sqft it sits under the Holmes Beach average of $939.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Holmes Beach market that averages 95 — if it fits, move quickly.
04Strong 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.
Listing courtesy of FRAN MAXON REAL ESTATE · Stephanie Bell. MLS #A4700759.
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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