Jessica Torres
$6,950,0002 bd2.5 ba1,942 sqft$3,579 /sqft$44,141 /mo all-in ↓

103 51ST STREET, HOLMES BEACH, FL, 34217

Active3 days on marketListed Jul 31, 2026MLS #A4688138

WaterfrontFully furnishedSingle Family ResidenceGUTIERREZ REV

About this home

103 51ST STREET

Back on the market!!!!! Welcome to 103 51st Street. One of the most amazing Gulf front properties in Holmes Beach. Although the address says 51st St, the property is found directly on the Gulf of Mexico. It is over 27,000 square feet with 80 feet of direct gulf front. On the street side there is over 151 feet of frontage on 5th Avenue. 5th Avenue is a unique street. It is not a high traffic street and dead ends at the driveway of your new home. The property is surrounded by lush tropical vegetation and shaded by large Australian Pines. They provide a welcome measure of privacy from prying eyes walking past on the beach. You can see out to the Gulf, but they cannot see into the property. Now we need to talk about the existing home. It was elevated enough to have been untouched by the hurricanes of 2024. The home is a traditional wood sided cottage on a block foundation. It is clad in the original cypress plank siding. All the exterior windows have been replaced with impact resistant glazing. The entire back of the home has large windows and sliding doors. You can watch the sunsets from the huge great room and kitchen, and sometimes even from the bed in the primary bedroom, found at the front of the home. The entire interior has been upgraded and redone. The kitchen and baths were covered in granite and stone. The home has 2 bedrooms and 2 and ½ baths. The entire home is open and inviting and you can enjoy it as it is and not change a thing. Or it could be the perfect place to enjoy your Gulf front property while you plan your forever home on Anna Maria Island. The size of the lot allows the construction of a home with well over 9000 square feet of air-conditioned space. Whatever you choose to do, your spectacular Gulf views will never go away.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,942

Sqft

0.62 ac

Lot size

1950

Year built

One

Levels

$3,579

Per sqft

WaterfrontWater viewFurnished

Inside

FlooringEngineered Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan
LaundryInside
CoolingCentral Air
HeatingElectric
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionWood Siding
FoundationSlab
ViewWater
FacesSoutheast
ExteriorSliding Doors

Community & fees

Taxes (2025)$46,471/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$44,141 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$37,502
PMI (est., until 20% equity)$2,606
Property tax — 2025 actual bill$3,873
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $695,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $695,000
Interest rate6.00%
Loan term

Estimated payment

$44,141/mo

Principal & interest$37,502
PMI (est., until 20% equity)$2,606
Property taxes (actual bill)$3,873
Est. insurance$160

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

$3,579 vs $909

Days on market

3 vs 104 typical

Where $3,579/sqft sits among the 129 Holmes Beach actives

75
44
9
1
0
0 · this home
$420–946$946–1473$1473–1999$1999–2526$2526–3052$3052+

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

Map of 103 51ST STREET

Drive times from this address

Downtown Tampa68 min
Tampa Int’l Airport (TPA)71 min

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

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighBayshore High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Holmes Beach market

Seller’s marketBalanced6.9 months of inventoryBuyer’s market

$1.1M$963K

Holmes Beach median sold, yr/yr

92.6%

Sale-to-list ratio (12 mo)

69 of 129

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 456% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →

Paper trail

This home's history

Jul 31, 2026Listed at $6,950,000 · 3 days on market since
1950Built · GUTIERREZ REV

Reality check

What actually sold near 103 51ST STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

7 PALM HARBOR DRIVESold · Dec ’25

$1,700,000

7 PALM HARBOR DRIVE

3 bd · 2 ba · 1,938 sqft · $877/sqft · 88 DOM

5007 2ND AVENUESold · Nov ’25

$1,700,000

5007 2ND AVENUE

3 bd · 3 ba · 1,896 sqft · $897/sqft · 191 DOM

220 36TH STREETSold · Mar ’26

$1,700,000

220 36TH STREET

3 bd · 3.5 ba · 2,016 sqft · $843/sqft · 171 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.

Jessica Torres

Your agent

Jessica Torres

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 103 51ST STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 103 51ST STREET — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Jessica's phone and CRM.

Goes straight to Jessica’s phone and CRM.

Straight answers

103 51ST STREET FAQs

What would the monthly payment be for 103 51ST STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $44,141/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 103 51ST STREET?+

The most recent tax bill on record (2025) was $46,471. 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 $6,950,000, this home is listed about 396% above the Holmes Beach median of $1,399,900. The market section on this page shows how the area is trending.

Which schools are assigned to 103 51ST 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

01Positioned at the premium end

$6,950,000 runs 456% above the HOLMES BEACH 34217 median — but at 1,942 sqft it's also 21% 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.

03Fresh on the market

Only 3 days on market in a Holmes Beach market that averages 104 — 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 SATO REAL ESTATE INC. · John Damato, II. MLS #A4688138.

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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