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$650,000

3803 E BAY DRIVE UNIT 9, HOLMES BEACH, FL 34217

3D Tour
Active11 days on market

Beds

3

Baths

3

Sq Ft

1,320 sq ft

Year Built

1977

Lot Size

1.02 acres

Garage

0

About This Property

Rarely available 3-bedroom, 3-bathroom turn-key condo in the coveted Sunbow Bay community of Holmes Beach. This spacious, light-filled island retreat features an open-concept floor plan designed for seamless living and entertaining. The expansive living area opens directly to a private porch surrounded by lush tropical landscaping and your own private dock. With three full bedrooms and three dedicated bathrooms, this unique layout offers exceptional privacy for families and guests, making it a perfect primary residence, winter getaway, or rental investment. Sunbow Bay offers premier waterfront amenities, including - Two heated community pools, tennis courts and a fishing pier. Located just minutes from the Gulf beaches, local dining, and the free island trolley, Sunbow Bay combines maintenance-free living with the ultimate Anna Maria Island lifestyle. ALL WINDOWS REPLACED 2014, NEW A/C 2020, NEW DOCK 2022.

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #A4709875
StatusActive
Year Built1977
Total Rooms5
ConstructionBlock
RoofBuilt-Up
FoundationBlock
FacesNorth
SubdivisionSUNBOW BAY PH 1
CountyManatee
OwnershipFee Simple
FurnishedTurnkey

Interior Features

InteriorOpen Floorplan
FlooringCarpet, Other
AppliancesDishwasher, Dryer, Range
LaundryIn Garage, Inside
CoolingCentral Air
HeatingElectric

Exterior & Lot

ExteriorBalcony
Lot Size1.02 acres (44,219 sq ft)
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground
SpaHeated

Waterfront

WaterfrontYes
FeaturesLagoon

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Sewer Available

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
HOA Fee$1,060 / Monthly
Senior CommunityNo

Financial Details

List Price$650,000
Annual Taxes$3,246 (2025)
FinancingCash, Conventional
ZoningR3
Parcel #7401410456

Directions

West on SR 64, Left on East Bay Drive, Left at 3803 East Bay Drive (Sunbow Bay) to unit 9A.

Location

3803 E BAY DRIVE UNIT 9, HOLMES BEACH, FL 34217

Listing Information

OfficeMIKE NORMAN REALTY INC.
ListedOctober 23, 2026

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Home Price

$650,000

20% ($130,000)
6.75%

Loan Term

Principal & Interest$3,373
Property Tax (est.)$596
Insurance (est.)$150
Total Monthly$4,119
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How to Buy This Home

Multiple financing options available for this $650,000 home in HOLMES BEACH.

🏦

Conventional

$32,500 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Manatee County SHIP

Varies

Income-qualifying Manatee residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: November 3, 2026.

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