Steve - there very well could be a difference in model years and explain why our perceptions on tank size are so different. I've attached a picture of the space between the aft end of the holding tank and the bulkhead on the aft end of the space. The tank occupies about the forward third of that space and flits flush against the bulkhead by the anchor locker. You can estimate dimensions by scaling from the size of the hose (1-3/4" OD) and the 8-1/2" x 11" paper chart taped on the tank.
You also mention two water tanks. Hull 348 only has a single 18 gallon polypropylene water tank under the port settee.
If Rod Johnstone calls in for the BOG meeting on 24 March, I'll ask him what he knows about the tank sizes.
Sanitary Piping Diagram & Valve Lineup