520 69TH STREET, HOLMES BEACH, FL, 34217
Active1 days on marketListed Aug 1, 2026MLS #A4700988
About this home
520 69TH STREET
Where the water meets the good life — welcome to elevated island living in the heart of Holmes Beach. Offered completely furnished and truly turnkey, this beautifully reimagined 2BD/2BA retreat blends timeless coastal character with modern comfort, ready for you to simply arrive, unpack, and begin. Renovated top to bottom, the light-filled, open-concept interior is finished with recessed lighting, designer coastal touches, and effortless flow. At its center is a stunning remodeled kitchen — custom cabinetry, expansive quartz countertops, stainless steel appliances, and an oversized island with seating that opens seamlessly to the dining and living spaces, made for slow mornings and lively evenings alike. The serene primary suite offers a spa-inspired en-suite bath, while a generous guest bedroom and beautifully renovated guest bath welcome family and friends in comfort. Beyond the walls awaits your private tropical sanctuary: lush, mature landscaping with low maintenance turf framing a heated saltwater pool, an expansive patio for sun-soaked afternoons, and a refreshing outdoor shower. For the boater, this is the dream — deep-water canal frontage, a private dock with a 10,000-lb lift, fish-cleaning station, and no bridge obstructions for swift, open-water access to Tampa Bay and the Gulf. Moments from powder-soft Gulf beaches and the shops and restaurants of Anna Maria Island by car, bike, or golf cart, this is an exceptional residence offering a wonderful opportunity to live the waterfront lifestyle every day — whether as a full-time home or an unforgettable coastal getaway.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,247
Sqft
0.2 ac
Lot size
1
Garage
1969
Year built
One
Levels
$1,279
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.
$10,184 /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
$10,184/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.
vs edgeAI estimate
+15.4%
$/sqft vs BAY PALMS ADD
$1,279 vs $886
Days on market
1 vs 95 typical
Where $1,279/sqft sits among the 11 homes for sale in BAY PALMS ADD
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)
5 of 11
BAY PALMS ADD have cut their price
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% 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 520 69TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$990,000
502 69TH STREET · same community
2 bd · 2 ba · 1,380 sqft · $717/sqft · 170 DOM
Sold · Feb ’26$1,650,000
511 68TH STREET · same community
3 bd · 2 ba · 1,394 sqft · $1,184/sqft · 82 DOM
Sold · Sep ’25$1,150,000
517 68TH STREET · same community
2 bd · 2 ba · 1,676 sqft · $686/sqft · 7 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
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 520 69TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 520 69TH 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.
Straight answers
520 69TH STREET FAQs
What would the monthly payment be for 520 69TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,184/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 520 69TH STREET?+
The most recent tax bill on record (2025) was $9,828. 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 $1,595,000, this home is listed about 16% 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 520 69TH 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
$1,595,000 runs 28% above the HOLMES BEACH 34217 median.
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.
Keep looking
Similar homes nearby
Listing courtesy of DUNCAN REAL ESTATE, INC. · Darcie Duncan. MLS #A4700988.
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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