David Ramirez
$5,495,0005 bd5.5 ba3,260 sqft$1,686 /sqft$32,975 /mo all-in ↓

411 PALM AVENUE, ANNA MARIA, FL, 34216

Active36 days on marketListed Jul 2, 2026MLS #A4698723

New constructionWaterfrontPrivate poolFully furnishedSingle Family ResidenceBIMINI BAY ESTATES

About this home

411 PALM AVENUE

Introducing The Palm—an iconic waterfront estate where exceptional architecture, resort-inspired living, and the unmistakable charm of Anna Maria Island come together to create a remarkable home. More than a home, The Palm captures the very best of Anna Maria Island living. Thoughtfully custom built by Eason Builder Group, this newly completed waterfront residence features five bedrooms, five full baths, one half bath, and more than 3,260 square feet of beautifully designed living space where coastal elegance meets exceptional craftsmanship. Every room has been thoughtfully curated to create an effortless connection between sophisticated design and the natural beauty that surrounds it. Walls of impact glass fill the home with natural light, while tongue-and-groove cypress ceilings, custom millwork, natural stone, and carefully selected finishes create a home that feels refined and welcoming. The open floor plan was designed for effortless entertaining and everyday living, featuring spacious gathering areas, luxurious private suites, a custom bunk room, and seamless transitions between indoor and outdoor spaces. Integrated smart home technology, an elevator, premium impact-rated windows and doors, Daikin HVAC systems, tankless water heaters, composite decking, and quality craftsmanship throughout reflect the care and attention that went into every detail. Outside, the experience is every bit as impressive. A resort-style pool with a raised spa anchors the backyard, surrounded by tropical landscaping that creates beauty and privacy. The covered lanai offers multiple spaces to gather, including an outdoor kitchen, bar seating, comfortable lounge areas, and dining space designed for entertaining family and friends. A private putting green adds another element of fun. One of the home’s most memorable features is the expansive rooftop deck, designed for sunset cocktails and panoramic views stretching across Anna Maria Island. For boating enthusiasts, The Palm offers one of the island’s most desirable features—a private dock with a 16,000-pound boat lift and direct, no-bridge access to the Gulf, allowing you to leave your backyard and be on open water within minutes. Beyond the property itself lies the lifestyle that makes Anna Maria Island so special. Leave the car behind and explore the island by golf cart or bicycle. Spend your mornings browsing the boutiques, cafés, and local shops along charming Pine Avenue, your afternoons on the island’s world-famous sugar-white beaches, and your evenings enjoying waterfront dining before watching another unforgettable Gulf sunset. Here, life moves at a different pace—one defined by boating, fishing, paddleboarding, beach walks, and the timeless character that continues to make Anna Maria Island one of the Gulf Coast’s most treasured destinations. Whether you’re searching for a private waterfront retreat, a seasonal residence, or a high-end vacation rental with exceptional income potential, The Palm offers a rare opportunity to enjoy the very best of island living while owning one of Anna Maria Island’s premier waterfront homes. Beautifully designed, expertly built, and perfectly positioned, The Palm is more than a residence—it is a place where family and friends gather, memories are made, and the best of Anna Maria Island becomes part of everyday life.

Facts & features

The home at a glance

5

Bedrooms

5.5

Bathrooms

3,260

Sqft

0.17 ac

Lot size

3

Garage

2026

Year built

Three Or More

Levels

$1,686

Per sqft

Private poolWaterfrontWater viewFurnished

Inside

FlooringTile
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Elevator · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Propane
FurnishedFurnished

Outside & construction

RoofMembrane
ConstructionBlock · Stucco
FoundationSlab · Stem Wall
ViewWater
FacesSouth
ParkingGarage Door Opener · Golf Cart Garage · Ground Level · Guest
ExteriorBalcony · Lighting · Outdoor Grill · Sliding Doors

Community & fees

Taxes (2025)$13,244/yr

Utilities & systems

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

$32,975 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$29,651
PMI (est., until 20% equity)$2,061
Property tax — 2025 actual bill$1,104
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $549,500Loan30-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% · $549,500
Interest rate6.00%
Loan term

Estimated payment

$32,975/mo

Principal & interest$29,651
PMI (est., until 20% equity)$2,061
Property taxes (actual bill)$1,104
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

$1,686 vs $1,470

Days on market

36 vs 130 typical

Where $1,686/sqft sits among the 65 Anna Maria actives

13
18
10
11 · this home
8
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 Bimini Bay Estates

Map of 411 PALM AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa74 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Anna Maria. See the full Anna Maria guide →

Bimini Bay Estates — neighborhood snapshot

Population

90

Median age

63

Median income

$104,107

Median home value

$2,000,000

Avg household

2

Households w/ children

2%

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 buyer7.6 months of inventoryBuyer’s 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 76% above the ANNA MARIA 34216 median. See the full Anna Maria market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $5,495,000 · 36 days on market since
2026Built · BIMINI BAY ESTATES

Reality check

What actually sold near 411 PALM AVENUE

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

244 WILLOW AVENUESold · Mar ’26

$5,550,000

244 WILLOW AVENUE · same community

6 bd · 6.5 ba · 3,695 sqft · $1,502/sqft · 172 DOM

329 TARPON STREETSold · Apr ’26

$5,500,000

329 TARPON STREET · same community

4 bd · 4.5 ba · 3,751.17 sqft · $1,466/sqft · 425 DOM

314 HARDIN AVENUESold · Aug ’25

$830,000

314 HARDIN AVENUE · same community

3 bd · 2 ba · 1,504 sqft · $552/sqft · 4 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 411 PALM AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 411 PALM 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.

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Goes straight to David’s phone and CRM.

Straight answers

411 PALM AVENUE FAQs

What would the monthly payment be for 411 PALM AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $32,975/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 411 PALM AVENUE?+

The most recent tax bill on record (2025) was $13,244. 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 $5,495,000, this home is listed about 54% above 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 411 PALM 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

Three things that matter here

01Positioned at the premium end

$5,495,000 runs 76% above the ANNA MARIA 34216 median — but at 3,260 sqft it's also 31% larger than 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 RE/MAX ALLIANCE GROUP · Christy Travis. MLS #A4698723.

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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