QUICK ANSWER
Are there condos and townhomes in Holmes Beach?
Yes – Holmes Beach offers condos and townhomes that provide a low-maintenance alternative to single-family homes. Browse all properties in Holmes Beach or check the Holmes Beach housing market for trends.
Condos & Townhomes in Holmes Beach – Overview
Condos and townhomes are the dominant housing type on Holmes Beach, making up the majority of available real estate. Island condos range from cozy one-bedroom units perfect for seasonal use to luxury penthouse residences with panoramic Gulf and bay views. Many buyers choose Holmes Beach condos as vacation properties, rental investments, or full-time residences that offer a lock-and-leave lifestyle with beach access right outside the door.
The Holmes Beach condo and townhome market spans a wide range of price points, from affordable units under $250K to luxury waterfront residences exceeding $1M. With Manatee County’s continued growth and Florida’s tax-friendly environment, condos and townhomes in Holmes Beach represent both attractive lifestyle purchases and strong investment opportunities.
Why Buy a Condo or Townhome in Holmes Beach?
Condos and townhomes offer distinct advantages over single-family homes, especially in the Holmes Beach market:
- Lower Maintenance – Condo associations handle exterior maintenance, landscaping, roofing, and common area upkeep. Townhome communities typically maintain shared spaces while giving you more interior space and often a private garage.
- Affordability – Condos and townhomes in Holmes Beach typically cost 15-30% less than comparably located single-family homes, making them an excellent entry point for first-time buyers or a smart downsizing move for empty nesters.
- Shared Amenities – Many Holmes Beach condo communities feature pools, fitness centers, clubhouses, and outdoor recreation areas that would cost six figures to replicate in a private home. You enjoy resort-style amenities for a fraction of the cost.
- Lock-and-Leave Convenience – Planning to travel or split time between states? Condos and townhomes offer the perfect lock-and-leave lifestyle. Security, maintenance, and exterior care continue while you’re away.
- Investment Potential – Condos in Holmes Beach – particularly those near the Gulf Coast – generate strong rental income. Seasonal rentals (typically December through April) can offset a significant portion of ownership costs.
- Prime Locations – Many of Holmes Beach’s best waterfront, downtown, and walkable locations are condo communities. You can live in locations where single-family homes are either unavailable or prohibitively expensive.
Popular Condo & Townhome Communities in Holmes Beach
- Westbay Point & Moorings – Waterfront condos with marina, boat slips, heated pool. From $450K.
- Island West – Gulf-side condos with beach access and pool. From $500K.
- Tortuga – Small condo community with Gulf views and private beach. From $600K.
- Martinique – Beachfront condos with direct Gulf access and tropical setting. From $550K.
Condos vs. Townhomes: Which Is Right for You?
| Feature | Condo | Townhome |
|---|---|---|
| Ownership | Interior unit only; shared exterior | Interior + small yard; shared walls |
| Maintenance | HOA covers most exterior | HOA covers common areas; you maintain yard |
| Privacy | Shared walls, hallways | More private; usually end or corner units |
| Garage | Usually assigned parking or carport | Usually attached 1-2 car garage |
| HOA Fees | Higher (more services included) | Lower (fewer services) |
| Floor Plans | Typically single-level | Usually 2-3 stories |
| Pets | More restrictions common | Generally more pet-friendly |
| Best For | Singles, couples, investors, snowbirds | Families, downsizers wanting space |
What Buyers Should Know
Review the Condo Association Financials
Before purchasing a condo in Holmes Beach, request and review the association’s financial documents including the operating budget, reserve fund balance, and most recent reserve study. A well-managed association with adequate reserves (70%+ funded) protects you from surprise special assessments. Florida law (SB 4D) now requires structural inspections for condo buildings 30+ years old, which may impact older Holmes Beach communities.
Rental Restrictions
If you’re buying as an investment or plan to rent your unit seasonally, verify the community’s rental policy. Some Holmes Beach condo associations limit rental frequency (e.g., maximum twice per year, minimum 30-day leases), cap the percentage of rented units, or prohibit short-term vacation rentals entirely. These restrictions directly impact rental income potential.
Insurance Requirements
Condo insurance in Florida works differently than single-family home insurance. The condo association carries a master policy covering the building structure and common areas, while you need an HO-6 policy covering your unit’s interior, personal property, and liability. Review the master policy’s coverage limits to ensure there are no gaps.
Financing Considerations
Condo financing can be more complex than single-family home loans. Lenders review the condo association’s financials, occupancy rates (typically requiring 50%+ owner-occupied), and pending litigation. FHA and VA loans have additional condo project requirements. Work with a lender experienced in Holmes Beach condo transactions.
Why Holmes Beach for Condo & Townhome Living?
Holmes Beach sits in the heart of Anna Maria Island, giving residents easy access to both the Gulf beaches and Sarasota Bay. The city is home to Manatee Public Beach, numerous waterfront restaurants, and a thriving vacation rental market that attracts investors from across the country.
Holmes Beach offers condo and townhome buyers the rare combination of Gulf Coast proximity, cultural amenities, and competitive pricing. Commute times: 65 minutes to Tampa, 20 minutes to Bradenton. Whether you’re seeking a permanent residence, vacation getaway, or rental investment property, Holmes Beach’s condo market delivers exceptional value in Manatee County.
Thinking of selling your current home to transition to condo living? Barrett can help you sell your property and find the perfect Holmes Beach condo – often managing both sides of the transaction for a seamless experience.
Explore Holmes Beach Condos & Townhomes
Barrett Henry, REALTOR® with RE/MAX Collective, is your local expert for condos and townhomes in Holmes Beach and Manatee County. Whether you need help evaluating HOA financials, understanding rental restrictions, or finding a community that fits your lifestyle and budget, Barrett provides the guidance you need.
Contact Barrett Henry today or call (813) 733-7907 to begin your Holmes Beach condo or townhome search. With deep knowledge of every community and building in the area, Barrett will help you make an informed, confident purchase.
Explore all Holmes Beach homes or browse the complete Tampa Bay real estate market.
Related Resources
Explore more Holmes Beach and Manatee County real estate:
- Holmes Beach Real Estate Overview
- Holmes Beach Homes with Pool
- Holmes Beach Gated Community Homes
- Holmes Beach 55+ Community Homes
- Manatee County Real Estate Guide
- Sell Your Home in Holmes Beach
- Contact Barrett Henry, REALTOR®
Ready to Explore Holmes Beach?
Barrett Henry is a licensed Broker Associate with RE/MAX Collective, serving the entire Tampa Bay market.
Schedule a Consultation (813) 733-7907Barrett Henry is a licensed real estate Broker Associate with RE/MAX Collective, specializing in Holmes Beach, County, and the greater Tampa Bay market. Explore Holmes Beach real estate, Manatee County homes, and all of Tampa Bay.
