709 FERN STREET, ANNA MARIA, FL, 34216
Active246 days on marketListed Dec 9, 2025MLS #A4674378
About this home
709 FERN STREET
Welcome to "Birdsong"! Discover the perfect blend of island charm and modern comfort in this beautifully updated 2-bedroom, 2-bath home located in one of Anna Maria Island’s most desirable neighborhoods. Just a 3-minute walk to the pristine Gulf beaches, this property offers the ideal setting for full-time living, a second home, or a high-performing investment. Step inside to an inviting open-concept layout featuring bright coastal décor, tile flooring throughout, and a seamless flow from the living area to the well-appointed kitchen with stainless steel appliances, granite countertops, and ample storage. Retreat to the serene primary suite with its private bath, while guests enjoy a comfortable second bedroom and full bathroom. Outdoors, your private oasis awaits—complete with a sparkling saltwater pool, lush tropical landscaping, and multiple lounging areas perfect for relaxing after a day at the beach. With established successful vacation rental performance, this home comes turnkey-ready for immediate enjoyment or continued income generation.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,109
Sqft
0.11 ac
Lot size
1952
Year built
One
Levels
$1,578
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$11,528 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,528/mo
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.
vs edgeAI estimate
+37%
$/sqft vs Anna Maria actives
$1,578 vs $1,470
Days on market
246 vs 137 typical
Where $1,578/sqft sits among the 65 Anna Maria actives
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 Shore Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Anna Maria. See the full Anna Maria guide →
Shore Acres — neighborhood snapshot
Population
87
Median age
65
Median income
$86,964
Median home value
$967,500
Avg household
1
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Anna Maria market
$1.5M → $2.6M
Anna Maria median sold, yr/yr
93.0%
Sale-to-list ratio (12 mo)
29 of 65
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 41% below the ANNA MARIA 34216 median. See the full Anna Maria market guide →
Paper trail
This home's history
Reality check
What actually sold near 709 FERN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,575,000
412 ALAMANDA ROAD · same community
2 bd · 2 ba · 1,168 sqft · $1,348/sqft · 169 DOM
Sold · Feb ’26$1,300,000
709 GLADIOLUS STREET · same community
4 bd · 3 ba · 1,933 sqft · $673/sqft · 174 DOM
Sold · Mar ’26$1,040,000
301 PALM AVENUE
2 bd · 2 ba · 1,120 sqft · $929/sqft · 74 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 709 FERN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 709 FERN STREET — 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.
Straight answers
709 FERN STREET FAQs
What would the monthly payment be for 709 FERN STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,528/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 709 FERN STREET?+
The most recent tax bill on record (2024) was $15,223. 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 $1,750,000, this home is listed about 51% below the Anna Maria median of $3,577,500. The market section on this page shows how the area is trending.
Which schools are assigned to 709 FERN STREET?+
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
Three things that matter here
01Under the ANNA MARIA 34216 market on paper
$1,750,000 is 41% below the ANNA MARIA 34216 median of $2,985,000.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Sean Sabbia. MLS #A4674378.
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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