109 GULL DRIVE, ANNA MARIA, FL, 34216
Active6 days on marketListed Sep 14, 2026MLS #A4704873
About this home
109 GULL DRIVE
Rare opportunity to own a canal-front lot in the heart of Anna Maria Island. Take your clean slate to design and build the coastal dream home you've been waiting for. Located on a quiet cul-de-sac street with access to the Bay and the Gulf of Mexico, boats to be able to fit under the 2 bridges. Anna Maria offers a laid-back, old-Florida lifestyle — walkable access to the island's white-sand beaches, local restaurants, and shops on Pine Ave. Whether you're envisioning a modern coastal retreat or a classic Florida cottage on stilts, this lot gives you the location and the water access to make it happen. Zoning allows for 1-7 day vacation rentals.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,635
Sqft
0.17 ac
Lot size
1979
Year built
Two
Levels
$719
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.
$7,421 /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
$7,421/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
−35.3%
$/sqft vs LUANA ISLES
$719 vs $1,298
Days on market
6 vs 146 typical
Where $719/sqft sits among the 6 homes for sale in LUANA ISLES
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 → $2.0M
Anna Maria median sold, yr/yr
93.0%
Sale-to-list ratio (12 mo)
4 of 6
LUANA ISLES have cut their price
Median sold price, Anna Maria, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% 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 109 GULL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$975,000
259 GLADIOLUS STREET · same community
2 bd · 2 ba · 1,675 sqft · $582/sqft · 7 DOM
Sold · Jun ’26$1,499,000
417 POINSETTIA ROAD · same community
2 bd · 2 ba · 1,540 sqft · $973/sqft · 21 DOM
Sold · Oct ’25$1,325,000
108 PELICAN DRIVE · same community
4 bd · 2 ba · 1,472 sqft · $900/sqft · 42 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 109 GULL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 GULL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
109 GULL DRIVE FAQs
What would the monthly payment be for 109 GULL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,421/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 109 GULL DRIVE?+
The most recent tax bill on record (2025) was $5,764. 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 $1,175,000, this home is listed about 65% below the Anna Maria median of $3,347,500. The market section on this page shows how the area is trending.
Which schools are assigned to 109 GULL 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
$1,175,000 is 58% below the ANNA MARIA 34216 median of $2,767,500, and at $719/sqft it sits under the Anna Maria average of $1,505.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Anna Maria market that averages 146 — 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 SATO REAL ESTATE INC. · Jason Sato. MLS #A4704873.
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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