Bermuda Bay Club: Experience the Gulf-to-Bay Island Lifestyle

by Hunt Brothers Realty

Bermuda Bay Club in Bradenton Beach offers one of Anna Maria Island's most appealing combinations, Gulf beach access across the street and a community that extends east toward the bay. The Key West-style condominium community features three-bedroom townhome residences, a heated pool and spa, garages, outdoor living space, and a mangrove-lined boardwalk leading to a bayfront observation and fishing area. For buyers exploring Anna Maria Island real estate, Bermuda Bay Club provides a distinctive way to experience both sides of the island while retaining the space and privacy of a multilevel townhome.

The community dates primarily to 1999 and includes 28 residences across five condominium phases. Recent sales show approximately 1,524-square-foot, three-bedroom layouts with two full bathrooms and a half bath. Individual improvements, views, parking arrangements, furnishings and rental eligibility can vary, so buyers should evaluate the specific residence along with current association records.

Quick Answers About Bermuda Bay Club

Where is Bermuda Bay Club?

Bermuda Bay Club is located along Gulf Drive N in Bradenton Beach on the southern portion of Anna Maria Island. The condominium community extends between the Gulf side of the island and bay waters to the east.

Is Bermuda Bay Club directly on the Gulf?

The residential buildings are not directly on the Gulf sand. The Gulf beach is across Gulf Drive, while the community extends east toward the bay. This creates the Gulf-to-bay setting that distinguishes Bermuda Bay Club from many other Bradenton Beach properties.

How many residences are at Bermuda Bay Club?

Association records identify five Bermuda Bay Club condominium phases containing a combined 28 residences. The phases were registered in 1999 and 2000, making Bermuda Bay Club substantially newer than many condominium communities developed on Anna Maria Island during the 1960s and 1970s.

What are Bermuda Bay Club condos like?

Recent 2026 sales identify three-bedroom, two-and-one-half-bath residences of approximately 1,524 square feet. They have a multilevel townhome-style design, and recent listings commonly identify private garages, balconies or decks and in-unit laundry. Interior renovations and individual features vary by residence.

Does Bermuda Bay Club have a pool?

Yes. Current property information identifies a large heated community swimming pool and spa. The pool area is positioned within the community and provides an alternative to spending the day at the Gulf beach.

Does Bermuda Bay Club have bay access?

Bermuda Bay Club has a scenic walkway through the mangroves toward the bay, where current property information identifies an observation or fishing deck. Buyers with specific boating plans should not interpret that feature as guaranteed boat docking or storage rights and should verify the exact permitted uses through current association documents.

Can Bermuda Bay Club residences be rented?

Rental activity is established at Bermuda Bay Club, and the Bermuda Bay Club Condominium Association maintains a rental approval process. Individual rental listings have advertised different stay lengths, so buyers should verify the current condominium restrictions, association approval requirements, City of Bradenton Beach regulations and state requirements before purchasing based on a particular rental strategy.

What Makes Bermuda Bay Club a Gulf-to-Bay Community?

The phrase Gulf-to-bay can be used loosely in coastal real estate, but Bermuda Bay Club's physical setting makes the description particularly appropriate. Gulf Drive separates the community from the beach to the west, while the property stretches east through tropical and mangrove surroundings toward the bay.

That gives owners access to two very different sides of Anna Maria Island living. Walk west for Gulf sand, swimming and sunsets. Walk through the community toward the east for calmer bay scenery, wildlife, fishing and passing boats.

For buyers who have trouble choosing between Gulf access and a bay-oriented setting, Bermuda Bay Club combines both experiences within one relatively intimate condominium community.

The Gulf Beach Is Just Across Gulf Drive

Bermuda Bay Club is not a direct Gulf-front condominium in the same sense as a building physically positioned on the beach. Residents cross Gulf Drive to reach the Bradenton Beach shoreline.

Recent property information identifies a crosswalk providing convenient access toward the beach. That proximity can make Gulf time part of everyday island life without requiring residents to drive to a public beach parking area.

The distinction between direct Gulf frontage and being directly across the road matters when comparing properties. Buyers focused exclusively on owning land or common property directly on the Gulf may want to compare Bermuda Bay Club with current Anna Maria Island beachfront condos for sale.

The Bayfront Boardwalk Creates a Completely Different Experience

Turn in the opposite direction from the Gulf and Bermuda Bay Club changes character. A walkway extends through the mangrove environment toward the bay, ending at an observation and fishing area overlooking the water.

The setting can be used for fishing, watching boats, observing wildlife or simply spending time beside the quieter waters on the eastern side of the island. It gives residents an outdoor amenity that feels distinctly different from the Gulf beach only a short walk away.

Buyers interested in boating should investigate further. An observation or fishing deck does not necessarily create private dockage, boat-lift rights or guaranteed boating access for a particular vessel. Docking rights, water access, permits and association restrictions should be verified through current condominium documents and appropriate governmental authorities.

Bermuda Bay Club Has a Distinctive Townhome Design

Many Anna Maria Island condominiums use traditional stacked floor plans, where residences occupy one level within a larger building. Bermuda Bay Club offers a different format.

The residences have a multilevel townhome-style design. Recent 2026 sales identify three bedrooms, two full bathrooms and one half bath within approximately 1,524 square feet of living area. Garages occupy the lower level in many residences, with the primary living spaces and bedrooms arranged above.

For buyers moving from a single-family home, that format can feel more residential than a conventional condominium corridor and elevator arrangement. It also provides considerably more bedroom capacity than many older one and two-bedroom island condos.

The tradeoff is stairs. Buyers should consider whether a multilevel residence works for their household, guests and long-term plans. Some individual properties may have accessibility modifications or additional features, but those should be confirmed residence by residence.

What Are Bermuda Bay Club Residences Like Inside?

Individual Bermuda Bay Club residences have been renovated to different degrees over the years. Recent sales include properties with updated kitchens, remodeled bathrooms, newer flooring, hurricane-impact windows and doors, updated HVAC systems, newer water heaters and other improvements.

Features commonly identified in recent property information include:

Three bedrooms
Two full bathrooms and one half bath
Approximately 1,524 square feet of living area
Multilevel townhome-style layouts
Private garages
Multiple balconies or decks in many residences
Full-size kitchens
In-unit washers and dryers
Gulf, bay, pool or tropical views depending on residence position

Do not assume every residence has the same renovation level, view or garage arrangement. Compare the actual condo, permits and documented improvements rather than relying on features from another Bermuda Bay Club sale.

Private Garage Space Is a Meaningful Island Feature

Garage space can be particularly useful on a barrier island, where residents may own bicycles, beach equipment, fishing gear, paddleboards and other recreational items in addition to a vehicle.

Recent Bermuda Bay Club sales identify private garages, including two-car garage arrangements in certain residences. Buyers should inspect the actual garage and verify its legal parking and storage use because dimensions and configurations may differ.

Also determine where guests and additional household vehicles may park. Hunt Brothers Realty's Florida condo parking, storage and guest policy guide explains why these practical details should be verified before buying rather than discovered after closing.

The Heated Pool and Spa Add a Resort Element

Bermuda Bay Club combines its waterfront setting with a large heated community pool and spa. Current property information also identifies an outdoor barbecue area near the pool.

That gives owners several choices within the community. Spend the morning at the Gulf, return for time beside the pool, then walk toward the bay in the evening. The amenities are relatively simple, but they complement the location rather than competing with it.

Current pool, spa, grilling and guest rules should be verified through the association because community policies can change.

Bermuda Bay Club Is Relatively Intimate

Bermuda Bay Club is not a large resort complex with hundreds of residences. Association records identify five condominium phases totaling 28 residences.

That smaller scale can appeal to buyers who want shared amenities without the atmosphere of a large condominium tower. The individual buildings, tropical landscaping and townhome architecture create a different visual character from many traditional stacked condominium communities.

A smaller association can also mean that major shared expenses are distributed among fewer owners. Buyers should therefore pay close attention to current reserves, insurance, capital projects, assessments and the association's overall financial position rather than assuming small automatically means inexpensive.

How Much Are Bermuda Bay Club Association Fees?

A June 2026 listing for a Bermuda Bay Club residence identified an association fee equivalent to approximately $1,061 per month. Another 2026 property record displayed a different monthly figure, demonstrating why buyers should not treat a listing's fee as a permanent community-wide number.

Verify the current assessment for the specific residence through the association and closing documentation. Also determine what the fee includes, whether special assessments exist, whether association loans are outstanding and how reserves are funded.

Hunt Brothers Realty's guide to evaluating a condominium association's financial health explains why buyers should review budgets, reserves, financial statements, insurance, assessments, major projects and meeting minutes together.

Recent Sales Show Significant Building Improvements

Recent 2026 Bermuda Bay Club sales provide useful examples of improvements buyers may encounter. One June 2026 sale identified hurricane-impact windows and doors, a metal roof and updated mechanical systems. That listing also stated that a milestone inspection had been completed and building inspections were current at the time of sale.

Those statements are encouraging historical context for that transaction, but they should not replace current due diligence for another residence. Buyers should request applicable association inspection reports, reserve information, budgets, insurance documentation, meeting minutes, capital-project records and any notices concerning future work.

The Florida Department of Business and Professional Regulation explains that a milestone inspection and a Structural Integrity Reserve Study serve different purposes. Whether particular requirements apply to a Bermuda Bay Club building should be verified using the current association records and applicable Florida requirements.

Structural or engineering findings should be evaluated with an appropriately qualified engineer, inspector or other professional before a buyer makes a purchasing decision.

Can Bermuda Bay Club Be Used as a Vacation Rental?

Vacation rentals are an established part of Bermuda Bay Club. Current rental properties advertise stays within the community, and the association maintains a formal rental application and approval process.

The Bermuda Bay Club Condominium Association rental page states that rental applications must be completed before guest arrival and identifies an association rental application fee. It also provides association rules and regulations for owners and guests.

Rental listings have advertised different minimum stays, including weekly and longer rental arrangements. A historical listing should never be used to determine what a new owner may legally do with a residence today.

Buyers planning rental use should obtain the current declaration, amendments, rules and association approval procedures. Because Bermuda Bay Club is in Bradenton Beach, buyers should also verify applicable City of Bradenton Beach vacation-rental requirements and Florida licensing and tax obligations.

Rental eligibility, occupancy limits, minimum stays, approval requirements, licensing, taxes and insurance can change. Buyers should verify their specific intended use with the association and appropriate governmental authorities and consult qualified insurance, tax and legal professionals when individualized guidance is required. Historical rental performance does not guarantee future income.

Bradenton Beach Offers a Different Side of Anna Maria Island

Bermuda Bay Club is in Bradenton Beach, the southernmost of Anna Maria Island's three municipalities. Holmes Beach occupies the middle of the island, while the City of Anna Maria is farther north.

Hunt Brothers Realty's Anna Maria Island real estate buyer's guide explains why that distinction matters. Each municipality has its own local procedures and regulations, while individual condominium associations can impose additional rules.

Bradenton Beach combines Gulf beaches with bay waters, condominium communities, vacation properties and access to the Historic Bridge Street area. The Cortez Road bridge also provides one of the island's main connections to the mainland.

What Should Buyers Know About Flood, Storm and Insurance Exposure?

Bermuda Bay Club's location between Gulf and bay waters is fundamental to its appeal, and it also makes coastal due diligence especially important.

Before purchasing, investigate:

Current flood-zone information
Documented storm and water-intrusion history
Repairs following prior weather events
Association master insurance coverage
Applicable association deductibles
Individual owner insurance needs
Responsibility for windows, doors, roofs, balconies and exterior components
Drainage, grading and lower-level exposure
Current building and association repair information

Hunt Brothers Realty's questions to ask before buying a home near the coast provides a broader framework for investigating flood exposure, insurance, storm history, maintenance and other coastal considerations.

Insurance availability, coverage, deductibles and premiums can vary substantially by property, association, insurer and intended use. Buyers should obtain current association insurance documents and property-specific quotes from a qualified insurance professional before making a purchasing decision.

How Does Bermuda Bay Club Compare With a Traditional Beachfront Condo?

Consideration	Bermuda Bay Club	Traditional Beachfront Condo
Residence style	Multilevel townhome-style residences	Often stacked condominium residences
Bedrooms	Recent sales consistently show three bedrooms	Varies widely by community
Gulf access	Beach across Gulf Drive	Direct beach access when truly Gulf-front
Bay experience	Mangrove walkway and bayfront observation or fishing area	Depends on location
Parking	Private garage arrangements identified in recent sales	Often assigned covered or uncovered spaces
Amenities	Heated pool, spa, bay walkway and outdoor areas	Varies substantially

Neither format is inherently better. Bermuda Bay Club may be especially interesting to buyers who value three bedrooms, a garage, multilevel living and access to both Gulf and bay environments more than direct Gulf frontage.

Who Might Bermuda Bay Club Be a Good Fit For?

Bermuda Bay Club may deserve consideration from buyers seeking:

A residence directly on Anna Maria Island
Convenient Gulf beach access
A bay-oriented boardwalk and fishing area
Three-bedroom condominium living
A townhome rather than traditional stacked-condo layout
Private garage space
A heated community pool and spa
A relatively small condominium community
Potential vacation-rental use when permitted under current rules
A seasonal getaway or full-time Bradenton Beach residence

Buyers who require direct Gulf frontage, single-level living or a large luxury-resort amenity package may prefer another condominium. Bermuda Bay Club's appeal lies in the combination of residential space, island location and access to two different waterfront environments.

What Should You Review Before Buying at Bermuda Bay Club?

A Bermuda Bay Club purchase should involve due diligence on both the individual residence and the condominium association.

Residence condition: Inspect the interior, HVAC, plumbing, electrical systems, windows, doors, appliances and evidence of prior moisture or storm damage.
Renovations: Verify improvements, age of major systems and applicable permit information.
Garage: Inspect its dimensions and confirm parking and storage rights.
Views: Evaluate the actual Gulf, bay, pool or landscaped views from the specific residence.
Beach access: Confirm the route and current access arrangement across Gulf Drive.
Bay amenities: Verify current use rules for the walkway, observation area and fishing.
Association fees: Confirm the current assessment and what it covers.
Association finances: Review budgets, reserves, financial statements, loans and recent meeting minutes.
Special assessments: Determine whether any current or proposed assessments apply.
Building information: Obtain applicable inspection, structural, reserve and capital-project documentation.
Insurance: Review association coverage and obtain property-specific individual insurance quotes.
Rental rules: Verify minimum stays, association approval and governmental requirements if rental use is planned.
Pet and guest policies: Obtain the current association rules.
Flood and storm exposure: Investigate current property-specific information and documented repair history.

The association's buyer and rental application page specifically instructs buyers under contract to request condominium documents from the owner or property manager. That documentation should be reviewed carefully before a purchasing decision is finalized.

The Bottom Line on Bermuda Bay Club

Bermuda Bay Club delivers a version of Anna Maria Island living that is difficult to summarize with the word "beach condo." The Gulf is across the street, but the experience extends all the way to the bay.

Residents can walk to Bradenton Beach for a morning beside the Gulf, return to a three-bedroom townhome with private garage space, spend the afternoon at the heated pool and spa, then follow the mangrove boardwalk toward the bay for fishing or evening scenery.

That Gulf-to-bay combination is Bermuda Bay Club's defining advantage. Buyers should balance it with careful review of association finances, insurance, inspections, rental policies, flood considerations, fees and the condition of the individual residence. The right unit can provide a notably spacious and versatile alternative to traditional island condominium living.

Explore Bermuda Bay Club and Anna Maria Island Real Estate

If Bermuda Bay Club's combination of three-bedroom townhome living, Gulf beach access, bay scenery, a pool and private garage space matches your goals, compare current availability with other Anna Maria Island real estate. Buyers can also explore Anna Maria Island beachfront condos to compare Bermuda Bay Club with communities offering direct Gulf frontage. Contact Hunt Brothers Realty to discuss Bermuda Bay Club, Bradenton Beach and other Florida Gulf Coast condominium options.

Informational notice: This article provides general real estate and educational information only and is not individualized legal, financial, tax, insurance, lending, inspection, engineering, construction, title, association, rental or other professional advice. Condominium fees, assessments, reserves, building condition, inspections, insurance, waterfront access, parking, rental policies, pet restrictions, amenities and association rules can change and may differ by residence. Buyers should review current condominium and association records and verify material information with Bermuda Bay Club Condominium Association, appropriate governmental authorities, qualified inspectors or engineers, insurance and lending professionals, title or closing professionals, tax professionals and a qualified Florida real estate attorney when appropriate before making a purchasing decision.