418 PINE AVENUE, ANNA MARIA, FL, 34216
Active95 days on marketListed Apr 20, 2026MLS #A4690403
About this home
418 PINE AVENUE
Positioned along the most sought-after stretch of Pine Avenue—known for its vibrant coastal charm, boutique shopping, dining, and steady pedestrian traffic, 418 Pine Avenue offers a truly rare opportunity to own a waterfront property with coveted ROR zoning. Properties like this are few and far between, especially those that combine direct water access with the ability to create both a luxury lifestyle and a dynamic income-producing asset in the heart of one of the island’s most iconic corridors. This elevated, solid concrete home features 4 bedrooms and 3 bathrooms, each bedroom offering spacious walk-in closets complete with custom closet systems. The open-concept floor plan is designed to maximize natural light and water views, seamlessly blending indoor and outdoor living. Step out onto the expansive main-level balcony or enjoy one of three additional balconies—two overlooking the water and two facing the lively energy of Pine Avenue. The ROR zoning creates exceptional flexibility for income potential. Envision renting the upper-level residence while activating the lower level as a waterfront-facing business such as a boutique retail shop, professional office, art gallery, wellness studio, café, or even a unique waterfront business concept like a paddleboard/kayak outfitter, dockside café, or marine-focused experience. The combination of visibility from Pine Avenue and direct water frontage is incredibly rare and valuable. Boating enthusiasts will appreciate having only one fixed bridge to open water, along with a private dock where marine life is frequently seen right in your backyard. The outdoor space is equally impressive, featuring a pool and ample room for entertaining, dining, and enjoying the Florida lifestyle year-round. Additional highlights include impact windows and doors throughout, plantation shutters, newer HVAC system, metal roof, and fresh interior paint. Whether you’re searching for a primary residence, a luxurious second home, or a high-performing investment with unmatched zoning advantages, this property delivers on every level. Being sold complete with professional design services to help you elevate and personalize the space.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,804
Sqft
0.13 ac
Lot size
2
Garage
2007
Year built
Three Or More
Levels
$1,016
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.
$18,821 /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
$18,821/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
+1.2%
$/sqft vs Anna Maria actives
$1,016 vs $1,470
Days on market
95 vs 101 typical
Where $1,016/sqft sits among the 75 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 Anna Maria Beach
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 Beach — neighborhood snapshot
Population
29
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)
34 of 75
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 9% 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 418 PINE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$2,750,000
211 81ST STREET UNIT B
4 bd · 5 ba · 2,788 sqft · $986/sqft · 21 DOM
Sold · Apr ’26$3,300,000
120 WHITE AVENUE
5 bd · 4 ba · 2,763 sqft · $1,194/sqft · 301 DOM
Sold · Feb ’26$1,700,000
6405 GULF DRIVE
3 bd · 2.5 ba · 2,876 sqft · $591/sqft · 375 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 418 PINE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 418 PINE 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
418 PINE AVENUE FAQs
What would the monthly payment be for 418 PINE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,821/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 418 PINE AVENUE?+
The most recent tax bill on record (2025) was $26,566. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 418 PINE AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Anna Maria?+
At $2,850,000, this home is listed about 18% 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 418 PINE 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
01Under the ANNA MARIA 34216 market on paper
$2,850,000 is 9% below the ANNA MARIA 34216 median of $3,124,500, and at $1,016/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.
04The price has already moved
Listed at $3,000,000, now $2,850,000 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW SUNCOAST · Stephanie Paxton. MLS #A4690403.
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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