517 KUMQUAT DRIVE, ANNA MARIA, FL, 34216
Active82 days on marketListed May 24, 2026MLS #A4694674
About this home
517 KUMQUAT DRIVE
This 4 bed/4 bath waterfront pool home is on a quiet cul de sac, in the city of Anna Maria, with views of Bimini Bay! Roomy and inviting, with no bridges to the Bay, this boater’s paradise also allows short term rentals! The spacious floor plan invites you to relax. Whether you are preparing meals in your open kitchen with freshly painted cabinetry, stainless steel appliances and oversized granite counters, or lounging in your family room with shiplap wall, while enjoying the water views…you will relish island life. Step outside to your enclosed, Brazilian Teak deck overlooking your large salt water pool, and enjoy the breeze. Guests will love the large bedrooms…three with en suites! You will love the low maintenance limestone yard (2022), the seawall being new in 2021, the water & electric at the dock, with your 10,000lb boat lift with new motor (2025), your custom matching shed, your annually maintained 4 ton AC & updated ducts (2021), your French drain & pump system in driveway (2024), your summer kitchen (2024) and your new garage door (2024). This home has ample space for everyone, and is just a short walk to the shops and eateries of Pine Avenue. Come enjoy island life and make this your island oasis!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,826
Sqft
0.24 ac
Lot size
2
Garage
1983
Year built
Two
Levels
$885
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.
$15,369 /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
$15,369/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
−10.6%
$/sqft vs Anna Maria actives
$885 vs $1,470
Days on market
82 vs 143 typical
Where $885/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 Lacios
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Anna Maria. See the full Anna Maria guide →
Lacios — neighborhood snapshot
Population
182
Median age
63
Median income
$104,107
Median home value
$2,000,000
Avg household
2
Households w/ children
4%
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)
31 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 16% 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 517 KUMQUAT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$3,350,000
516 KUMQUAT DRIVE · same community
4 bd · 3 ba · 2,802 sqft · $1,196/sqft · 140 DOM
Sold · Sep ’25$3,050,000
511 LOQUAT DRIVE · same community
4 bd · 4.5 ba · 2,752 sqft · $1,108/sqft · 120 DOM
Sold · Jun ’26$2,825,000
519 LOQUAT DRIVE · same community
4 bd · 4 ba · 2,606 sqft · $1,084/sqft · 48 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 517 KUMQUAT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 517 KUMQUAT 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
517 KUMQUAT DRIVE FAQs
What would the monthly payment be for 517 KUMQUAT DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,369/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 517 KUMQUAT DRIVE?+
The most recent tax bill on record (2025) was $9,392. 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 517 KUMQUAT DRIVE?+
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 $2,499,900, this home is listed about 30% below the Anna Maria median of $3,552,500. The market section on this page shows how the area is trending.
Which schools are assigned to 517 KUMQUAT 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
$2,499,900 is 16% below the ANNA MARIA 34216 median of $2,985,000, and at $885/sqft it sits under the Anna Maria average of $1,522.
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 ISLAND REAL ESTATE-ANNA MARIA · Erin Leathem. MLS #A4694674.
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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