
76 N SHORE DRIVE, ANNA MARIA, FL, 34216
Active6 days on marketListed Jul 31, 2026MLS #A4701660
About this home
76 N SHORE DRIVE
An income-producing opportunity in the heart of Anna Maria Island. This 4-bedroom, 4-bathroom duplex sits on coveted North Shore — steps from the boutiques, cafés, and galleries of Pine Avenue and minutes from the Gulf's world-famous sugar-white beaches. Blue Lagoon operates as a vacation rental with a proven track record, a loyal returning guest base, and confirmed reservations already booked into 2027. The property features a large heated pool, private outdoor entertaining areas in-unit washers/dryers, and an on-site EV charger. The duplex can be rented as two separate units or opened via an interior connecting door to accommodate larger groups, maximizing both flexibility and revenue potential year-round. Bert Harris Agreement — A Significant Asset This property benefits from a Bert Harris Private Property Rights Agreement with the City of Anna Maria. When the city enacted its vacation rental ordinance limiting all short-term rentals to a maximum occupancy of 8 guests regardless of home size, many property owners successfully filed claims under Florida's Bert J. Harris Jr. Private Property Rights Protection Act, a state law that protects owners when a local government action reduces the value of their property. Through a negotiated settlement, this property secured the right to host up to 12 guests, well above the city's standard cap. This agreement transfers with the property and represents a meaningful competitive and financial advantage that cannot easily be replicated by new purchasers today. A true turnkey investment in one of Florida's most sought-after island destinations.
Facts & features
The home at a glance
4
Bedrooms
1,416
Sqft
0.19 ac
Lot size
1972
Year built
One
Levels
$1,377
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.
$12,636 /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
$12,636/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.
$/sqft vs Anna Maria actives
$1,377 vs $1,470
Days on market
6 vs 127 typical
Where $1,377/sqft sits among the 67 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 Bimini Bay Colony Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Anna Maria. See the full Anna Maria guide →
Bimini Bay Colony Club — neighborhood snapshot
Population
106
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
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)
32 of 67
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 35% 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 76 N SHORE DRIVE
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$1,040,000
301 PALM AVENUE · same community
2 bd · 2 ba · 1,120 sqft · $929/sqft · 74 DOM
Sold · Jan ’26$1,945,000
310 PALM AVENUE · same community
3 bd · 3 ba · 1,905 sqft · $1,021/sqft · 10 DOM
Sold · Feb ’26$1,129,000
305 67TH STREET
3 bd · 2 ba · 1,396 sqft · $809/sqft · 34 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 76 N SHORE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 76 N SHORE 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
76 N SHORE DRIVE FAQs
What would the monthly payment be for 76 N SHORE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,636/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 76 N SHORE DRIVE?+
The most recent tax bill on record (2025) was $14,675. 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 $1,950,000, this home is listed about 47% below the Anna Maria median of $3,660,000. The market section on this page shows how the area is trending.
Which schools are assigned to 76 N SHORE 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
Four things that matter here
01Under the ANNA MARIA 34216 market on paper
$1,950,000 is 35% below the ANNA MARIA 34216 median of $2,985,000, and at $1,377/sqft it sits under the Anna Maria average of $1,524.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Anna Maria market that averages 127 — if it fits, move quickly.
04Strong 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 SEA BREEZE REAL ESTATE LLC · Adrian Johnson. MLS #A4701660.
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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