109 TERN DRIVE, ANNA MARIA, FL, 34216
Active134 days on marketListed Mar 12, 2026MLS #A4685406
About this home
109 TERN DRIVE
Love the beach and love to boat? Delightful waterfront home with direct access to open water. Located on the famed North end of Anna Maria Island. This 2 bedroom 2 bathroom home offers incredible opportunities for adventure. Whether it is the sand of the Gulf beaches you seek or if enjoying the water from a boat, kayak, or paddle board is your thing the choice is yours. Another incredible benefit of this location is the proximity to Pine Ave, full of fun shopping and eateries. Generously sized lot is positioned on a cul-de-sac providing privacy due to no through traffic. Concrete block paired with a metal roof creates a formidable structure. As you enter the home you will be welcomed by a sense of coziness. The kitchen features solid wood cabinetry and exquisite Taj Mahal quartzite countertops. Entertaining is aided by the in-ceiling home speaker system. Enjoy year around serene water views from the 300 square foot screened-in lanai equipped with four ceiling fans. Single car garage for all your storage needs or get creative for a possible third bedroom. The large lot leaves ample room for a pool to the front of the house. Schedule a showing today and discover if this piece of paradise if right for you.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,223
Sqft
0.17 ac
Lot size
1
Garage
1968
Year built
One
Levels
$1,226
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.
$10,286 /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
$10,286/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
+61%
$/sqft vs LUANA ISLES
$1,226 vs $1,320
Days on market
134 vs 101 typical
Where $1,226/sqft sits among the 6 homes for sale in LUANA ISLES
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 Luana Isles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Anna Maria. See the full Anna Maria guide →
Luana Isles — neighborhood snapshot
Population
131
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 → $2.2M
Anna Maria median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
6 of 6
LUANA ISLES have cut their price
Median sold price, Anna Maria, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% 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 109 TERN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,400,000
239 GLADIOLUS STREET · same community
3 bd · 2 ba · 1,296 sqft · $1,080/sqft · 1 DOM
Sold · Oct ’25$1,325,000
108 PELICAN DRIVE · same community
4 bd · 2 ba · 1,472 sqft · $900/sqft · 42 DOM
Sold · Jul ’26$2,100,000
108 PELICAN DRIVE · same community
4 bd · 2 ba · 1,472 sqft · $1,427/sqft · 126 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 109 TERN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 TERN 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.
Straight answers
109 TERN DRIVE FAQs
What would the monthly payment be for 109 TERN DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,286/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 109 TERN DRIVE?+
The most recent tax bill on record (2025) was $17,706. 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 $1,499,000, this home is listed about 57% below 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 109 TERN 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
01Under the ANNA MARIA 34216 market on paper
$1,499,000 is 52% below the ANNA MARIA 34216 median of $3,124,500, and at $1,226/sqft it sits under the Anna Maria average of $1,492.
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.
Keep looking
Similar homes nearby
Listing courtesy of SATO REAL ESTATE INC. · Justin Powell. MLS #A4685406.
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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