David Ramirez
$6,375,0005 bd4.5 ba3,250 sqft$1,962 /sqft$42,733 /mo all-in ↓

229 WILLOW AVENUE, ANNA MARIA, FL, 34216

Active381 days on marketListed Jul 18, 2025MLS #A4659214

WaterfrontPrivate poolSingle Family ResidenceGOOD LIFE SUB

About this home

229 WILLOW AVENUE

Here is your chance to own a 5 bed/4.5 bath custom waterfront residence on one of the most coveted streets in the City of Anna Maria. Enjoy the rare luxury of having direct boat access in your backyard while just a short walk to the pristine shores of the Gulf. This home offers the best of both waterfront lifestyles. Thoughtfully designed with a modern coastal aesthetic, the home features high-end appliances, custom trim details throughout, and smart home integration for effortless convenience. Each bedroom offers a private en-suite bath. A custom built-in bunk room maximizes space (sleeping up to 5) with craftsmanship that speaks to intentional design, adding versatility for guests or family. Privately tucked away on the third floor, you have the expansive primary suite that offers a serene and secluded retreat, featuring a large walk-in shower and soaking tub. Open the sliding glass doors and you are greeted with a generous private balcony that invites quiet moments of relaxation. Anchored by an oversized island, the kitchen is a chef and entertainer’s dream, featuring a gas range by Wolf, a Sub-Zero refrigerator, and a 24-bottle wine fridge. The main living level balcony is outfitted with built-in outdoor cabinetry and a premium ceramic grill, creating a fully functional alfresco cooking space just steps from the kitchen. The kitchen is the centerpiece of this well-designed floor plan that allows for the living and dining spaces to come together effortlessly. Built-in storage in the living room offers seamless organization without disrupting the clean aesthetic, while a dedicated coffee bar adds a touch of everyday luxury and convenience. Another major convenience is the elevator that gives you access to all levels of the home. These subtle yet meaningful touches are found throughout the home, reflecting a level of care and quality rarely seen. On the ground level you have a beautifully constructed cabana space that blurs the line between indoors and out, overlooking a meticulously turfed lawn and an expansive pebble finish pool that shimmers like cut glass. On rainy days, the pool cabana offers a theater like movie experience equipped with a large tv that includes a Sonos surround system and plenty of space for indoor gaming. Lime rock landscape adds geological gravitas, while an outdoor shower and a tucked-away kayak rack offer an unexpected delight. For the nautical connoisseur, the composite dock with an elevator lift provides open-water access with ease. The garage offers ample space for 2 cars, a golf cart, and all your beach toys. This meticulously maintained home has never been a vacation rental, but this could be a wonderful investment property that allows for short-term stays. Come schedule your private showing today!

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,250

Sqft

0.19 ac

Lot size

3

Garage

2023

Year built

Three Or More

Levels

$1,962

Per sqft

Private poolWaterfrontWater view

Inside

FlooringTile · Travertine · Hardwood
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Dry Bar · Elevator · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Thermostat · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Humidity Control · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofMembrane · Metal
ConstructionConcrete · HardiPlank Type · Wood Frame
FoundationBlock
ViewWater
FacesNorth
ExteriorBalcony · French Doors · Irrigation System · Outdoor Grill · Outdoor Shower

Community & fees

Taxes (2024)$69,398/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Sewer Available · Sewer Connected · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$42,733 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$34,399
PMI (est., until 20% equity)$2,391
Property tax — 2024 actual bill$5,783
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $637,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $637,500
Interest rate6.00%
Loan term

Estimated payment

$42,733/mo

Principal & interest$34,399
PMI (est., until 20% equity)$2,391
Property taxes (actual bill)$5,783
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Anna Maria actives

$1,962 vs $1,470

Days on market

381 vs 101 typical

Where $1,962/sqft sits among the 67 Anna Maria actives

14
19
10
12
7 · this home
5
$854–1115$1115–1376$1376–1637$1637–1898$1898–2159$2159+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Bimini Bay Estates

Map of 229 WILLOW AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa74 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Anna Maria. See the full Anna Maria guide →

Bimini Bay Estates — neighborhood snapshot

Population

90

Median age

63

Median income

$104,107

Median home value

$2,000,000

Avg household

2

Households w/ children

2%

For the school run

Manatee County School District

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighManatee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Anna Maria market

Seller’s marketLeans buyer10.4 months of inventoryBuyer’s market

$1.5M$2.2M

Anna Maria median sold, yr/yr

92.8%

Sale-to-list ratio (12 mo)

32 of 67

Anna Maria actives have cut their price

Median sold price, Anna Maria, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 116% above the ANNA MARIA 34216 median. See the full Anna Maria market guide →

Paper trail

This home's history

Jul 18, 2025Listed at $6,375,000 · 381 days on market since
2023Built · GOOD LIFE SUB

Reality check

What actually sold near 229 WILLOW AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

401 77TH STREETSold · May ’26

$3,700,000

401 77TH STREET

4 bd · 4.5 ba · 3,200 sqft · $1,156/sqft · 182 DOM

403 N SHORE DRIVESold · Jan ’26

$5,350,000

403 N SHORE DRIVE

5 bd · 6 ba · 3,400 sqft · $1,574/sqft · 85 DOM

213 OAK AVENUESold · Jun ’26

$3,100,000

213 OAK AVENUE

4 bd · 4 ba · 3,053 sqft · $1,015/sqft · 105 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 229 WILLOW AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 229 WILLOW AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

229 WILLOW AVENUE FAQs

What would the monthly payment be for 229 WILLOW AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $42,733/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 229 WILLOW AVENUE?+

The most recent tax bill on record (2024) was $69,398. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Anna Maria?+

At $6,375,000, this home is listed about 82% above the Anna Maria median of $3,495,000. The market section on this page shows how the area is trending.

Which schools are assigned to 229 WILLOW AVENUE?+

Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Manatee High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$6,375,000 runs 116% above the ANNA MARIA 34216 median — but at 3,250 sqft it's also 34% larger than the typical Anna Maria listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

381 days on market against a Anna Maria median of 101 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Anna Maria Elementary School, Martha B. King Middle School, Manatee High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of DUNCAN REAL ESTATE, INC. · Joey Hutchinson. MLS #A4659214.

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 is deemed reliable but is not guaranteed accurate by Stellar MLS.

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