228 GLADIOLUS STREET, ANNA MARIA, FL, 34216
Active109 days on marketListed Apr 21, 2026MLS #A4690821
About this home
228 GLADIOLUS STREET
Anna Maria Island Income-Producing Beach Retreat | 3BR/2BA | Oversized Pool + Spa Exceptional opportunity to own an elevated 3-bedroom, 2-bath home on Anna Maria Island, just a short walk to the beach. Whether you’re looking for a personal island getaway, full-time residence, or a successful vacation rental investment, this property offers the perfect combination of lifestyle and income potential. Designed for coastal living, the home features a bright and open floor plan with spacious living and dining areas, ideal for entertaining guests or relaxing after a day in the sun. The elevated design offers added peace of mind and classic island charm. Step outside to your own private tropical oasis featuring an oversized heated pool and spa, with plenty of room for lounging, outdoor dining, and enjoying the Florida sunshine year-round. This outdoor space is a major highlight for both homeowners and vacation renters. Located in one of the most desirable areas on the North end Anna Maria Island, the home is within easy walking distance to the beach, shops, dining, and everything that makes island living so special. Property Highlights: • 3 bedrooms, 2 bathrooms • Elevated home • Oversized private pool with spa • Short walk to beach access • Proven vacation rental / income-producing property • Excellent investment potential
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,458
Sqft
0.17 ac
Lot size
1979
Year built
Two
Levels
$1,265
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.
$12,656 /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
$12,656/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
+14.6%
$/sqft vs Anna Maria actives
$1,265 vs $1,521
Days on market
109 vs 130 typical
Where $1,265/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 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 → $2.6M
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 228 GLADIOLUS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Jun ’26$1,499,000
417 POINSETTIA ROAD · same community
2 bd · 2 ba · 1,540 sqft · $973/sqft · 21 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 228 GLADIOLUS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 228 GLADIOLUS 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
228 GLADIOLUS STREET FAQs
What would the monthly payment be for 228 GLADIOLUS STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,656/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 228 GLADIOLUS STREET?+
The most recent tax bill on record (2025) was $22,184. 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 228 GLADIOLUS STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,845,000, this home is listed about 48% 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 228 GLADIOLUS 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
Four things that matter here
01Under the ANNA MARIA 34216 market on paper
$1,845,000 is 41% below the ANNA MARIA 34216 median of $3,117,500, and at $1,265/sqft it sits under the Anna Maria average of $1,525.
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.
04The price has already moved
Listed at $1,995,000, now $1,845,000 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PINEYWOODS REALTY LLC · Amanda Cornett. MLS #A4690821.
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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