103 PALM AVENUE, ANNA MARIA, FL, 34216
Active158 days on marketListed Feb 26, 2026MLS #A4683902
About this home
103 PALM AVENUE
Welcome to 103 Palm Avenue on Anna Maria Island, home to some of the best beaches in Florida. This exceptional beachfront property features not one, but two direct Gulf-front residences, offering a rare opportunity for multi-generational living, rental income, or a private coastal compound. The property includes 4 bedrooms and 4 bathrooms and was completely remodeled in 2020, with a brand-new roof installed in 2025. An elevator provides convenient access between levels, enhancing both comfort and accessibility. Enjoy breathtaking beach views, unforgettable sunsets, and the relaxed island lifestyle Anna Maria Island is known for. Ideally located close to shopping, dining, and local attractions, this is true beachfront living at its finest.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,252
Sqft
0.12 ac
Lot size
1972
Year built
Two
Levels
$2,420
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.
$34,546 /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
$34,546/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.
$/sqft vs ANNA MARIA BEACH
$2,420 vs $1,521
Days on market
158 vs 130 typical
Where $2,420/sqft sits among the 11 homes for sale in ANNA MARIA BEACH
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 Anna Maria
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Anna Maria. See the full Anna Maria guide →
ANNA MARIA 34216 — neighborhood snapshot
Population
900
Median age
64.4
Median income
$99,188
Median home value
$1,154,400
Avg household
1.83
Households w/ children
11%
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)
5 of 11
ANNA MARIA BEACH have cut their price
Median sold price, Anna Maria, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 85% above the ANNA MARIA 34216 median. See the full Anna Maria market guide →
Paper trail
This home's history
Reality check
What actually sold near 103 PALM AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$3,800,000
112 MANGROVE AVENUE · same community
4 bd · 4.5 ba · 2,803 sqft · $1,356/sqft · 188 DOM
Sold · Jun ’26$2,700,000
110 SPRING AVENUE · same community
5 bd · 4.5 ba · 2,925 sqft · $923/sqft · 172 DOM
Sold · Nov ’25$3,650,000
407 PINE AVENUE · same community
4 bd · 4.5 ba · 3,022 sqft · $1,208/sqft · 6 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 103 PALM AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 PALM 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.
Straight answers
103 PALM AVENUE FAQs
What would the monthly payment be for 103 PALM AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $34,546/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 103 PALM AVENUE?+
The most recent tax bill on record (2024) was $35,211. 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 $5,450,000, this home is listed about 52% above 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 103 PALM 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
$5,450,000 runs 85% above the ANNA MARIA 34216 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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.
04The price has already moved
Listed at $6,050,000, now $5,450,000 — a $600K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Charles Buky. MLS #A4683902.
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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