David Ramirez
$10,950,0005 bd7 ba5,079 sqft$2,156 /sqft$66,578 /mo all-in ↓

811 N SHORE DRIVE, ANNA MARIA, FL, 34216

Active140 days on marketListed Mar 19, 2026MLS #A4684895

WaterfrontPrivate poolFully furnishedSingle Family ResidenceSHORE ACRES FIRST ADD

About this home

811 N SHORE DRIVE

Experience one of the most extraordinary waterfront settings on the coveted North End of Anna Maria Island, just moments from the world-renowned shores of Bean Point. Set on over an acre of Gulf-front beachfront land, this rare estate provides exceptional privacy, expansive shoreline, and breathtaking panoramic views of the Gulf of Mexico. In 2019, the property underwent a comprehensive structural and architectural redevelopment that transformed the residence into a modern coastal estate, including major infrastructure upgrades such as updated electrical, plumbing, and HVAC systems, along with new flooring, custom millwork, redesigned bathrooms, cabinetry, lighting, and modern coastal finishes throughout. Originally constructed as an elevated coastal residence, the home was extensively expanded, redesigned, and structurally reimagined to create a three-level retreat designed for elevated island living. The redevelopment included the addition of a private master suite level, construction of a large elevated pool and entertainment deck, and installation of a dramatic three-story architectural water feature, while completely reconfiguring the interior floor plan. Privately gated and approached by a palm-lined drive, the residence welcomes you with a striking 20-foot waterfall entry. Expansive windows capture nearly 270-degree Gulf views, filling the open living spaces with natural light and coastal breezes. The main living areas flow seamlessly to spacious outdoor terraces finished in Brazilian Walnut (IPE) decking—ideal for sunset entertaining overlooking the Gulf. The chef’s kitchen features custom rosewood cabinetry, three ranges, three ovens, a built-in coffee bar, wine refrigeration, and premium Sub-Zero, Wolf, Cove, and Miele appliances. Multiple bedroom suites include ensuite baths and water views, while a dedicated entertainment level features shuffleboard, a poker table, pool table, and lounge space. The top-floor owner’s retreat, accessible by elevator, captures sweeping Gulf views and includes oversized walk-in closets, a private coffee bar, and a spa-style bath with soaking tub and rain shower. Outdoor amenities include a heated ozone saltwater pool with lap feature, elevated entertainment deck, private gym, infrared sauna, and a two-car garage with additional golf cart space. Direct beach access leads to one of the most peaceful stretches of shoreline on Anna Maria Island. Located near the shops and restaurants of Pine Avenue, this property is a rare opportunity to own a fully transformed Gulf-front estate on over an acre of beachfront land on the North End of Anna Maria Island.

Facts & features

The home at a glance

5

Bedrooms

7

Bathrooms

5,079

Sqft

1.02 ac

Lot size

2

Garage

2021

Year built

Three Or More

Levels

$2,156

Per sqft

Private poolWaterfrontFurnished

Inside

FlooringPorcelain Tile
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Elevator · High Ceilings · Open Floorplan · Sauna · Solid Surface Counters · Solid Wood Cabinets
LaundryLaundry Room · Outside
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Heat Pump
FurnishedFurnished

Outside & construction

RoofMembrane
ConstructionBlock · Wood Frame
FoundationPillar/Post/Pier · Slab
FacesSoutheast
ExteriorBalcony · Dog Run · French Doors · Irrigation System · Lighting · Private Entrance · Private Mailbox · Private Yard · Sauna · Sliding Doors · Storage

Community & fees

Taxes (2025)$38,715/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Propane · Sewer Connected · 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.

$66,578 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$59,086
PMI (est., until 20% equity)$4,106
Property tax — 2025 actual bill$3,226
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $1,095,000Loan30-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% · $1,095,000
Interest rate6.00%
Loan term

Estimated payment

$66,578/mo

Principal & interest$59,086
PMI (est., until 20% equity)$4,106
Property taxes (actual bill)$3,226
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

$2,156 vs $1,470

Days on market

140 vs 127 typical

Where $2,156/sqft sits among the 66 Anna Maria actives

13
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 Anna Maria

Map of 811 N SHORE DRIVE

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

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 buyer7.5 months of inventoryBuyer’s market

$1.5M$2.6M

Anna Maria median sold, yr/yr

93.0%

Sale-to-list ratio (12 mo)

32 of 66

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 251% above the ANNA MARIA 34216 median. See the full Anna Maria market guide →

Paper trail

This home's history

Mar 19, 2026Listed at $10,950,000 · 140 days on market since
2021Built · SHORE ACRES FIRST ADD

Reality check

What actually sold near 811 N SHORE DRIVE

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

809 N SHORE DRIVESold · Aug ’25

$9,000,000

809 N SHORE DRIVE · same community

5 bd · 5.5 ba · 4,936 sqft · $1,823/sqft · 450 DOM

804 N SHORE DRIVESold · Aug ’25

$3,195,000

804 N SHORE DRIVE · same community

7 bd · 4 ba · 5,462 sqft · $585/sqft · 19 DOM

803 GLADIOLUS STREETSold · Apr ’26

$3,200,000

803 GLADIOLUS STREET · same community

5 bd · 4.5 ba · 3,270 sqft · $979/sqft · 28 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 811 N SHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 811 N SHORE DRIVE — 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.

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Goes straight to David’s phone and CRM.

Straight answers

811 N SHORE DRIVE FAQs

What would the monthly payment be for 811 N SHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $66,578/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 811 N SHORE DRIVE?+

The most recent tax bill on record (2025) was $38,715. 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 $10,950,000, this home is listed about 199% above the Anna Maria median of $3,660,000. The market section on this page shows how the area is trending.

Which schools are assigned to 811 N SHORE DRIVE?+

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

01Positioned at the premium end

$10,950,000 runs 251% above the ANNA MARIA 34216 median — but at 5,079 sqft it's also nearly twice the size of 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.

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.

Listing courtesy of SATO REAL ESTATE INC. · Jessica Batten. MLS #A4684895.

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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