Waterfront Homes for Sale in Holmes Beach, FL
This page tracks every Holmes Beach listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
26 waterfront homes are for sale or pending in Holmes Beach, FL today across 20 communities. The median asking price is $2,770,000, from $499,000 to $16,750,000. Listings in Holmes Beach without that feature have a median of $1,500,000. Most listings right now: Bay Palms Add (3), Sportsmans Harbor Rev (2), Holmes Beach 14Th Unit (2). Updated September 8, 2026 from the MLS.
Holmes Beach waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Bay Palms Add | 3 | 0 | $2,995,000 | $1,595,000 |
| Sportsmans Harbor Rev | 2 | 0 | $3,497,500 | $2,995,000 |
| Holmes Beach 14Th Unit | 2 | 0 | $3,375,000 | $3,300,000 |
| Westbay Point & Moorings Ii | 2 | 0 | $564,000 | $499,000 |
| Sunset Cove | 1 | 0 | $16,750,000 | $16,750,000 |
| Key Royale 12Th Add | 1 | 1 | $6,900,000 | $6,900,000 |
| Holmes Beach 12Th Unit | 1 | 0 | $5,995,000 | $5,995,000 |
| Sunrise Park | 1 | 1 | $4,995,000 | $4,995,000 |
| Key Royale 2Nd Add Rep | 1 | 0 | $3,899,000 | $3,899,000 |
| North Point Harbour Unit One | 1 | 0 | $2,950,000 | $2,950,000 |
| Bay Palms 13Th Unit | 1 | 0 | $2,790,000 | $2,790,000 |
| Key Royale 1St Add | 1 | 0 | $2,750,000 | $2,750,000 |
| Key Royale 7Th Add | 1 | 0 | $2,750,000 | $2,750,000 |
| Key Royale 9Th Add | 1 | 0 | $2,245,000 | $2,245,000 |
| Key Royale 13Th Add | 1 | 0 | $2,095,000 | $2,095,000 |
| Holmes Beach 17Th Unit | 1 | 0 | $1,895,000 | $1,895,000 |
| Holmes Beach 34Th Unit Rep | 1 | 0 | $1,599,000 | $1,599,000 |
| Holmes Beach Fourteenth Unit | 1 | 0 | $1,150,000 | $1,150,000 |
| Clark Spring Lake Estates | 1 | 0 | $749,000 | $749,000 |
| Unit A Bev'S Paradise A Land Condominium | 1 | 0 | $599,000 | $599,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Holmes Beach?
What do waterfront homes cost in Holmes Beach?
Which Holmes Beach community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Holmes Beach
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Holmes Beach, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.