103 SUNSET LANE, ANNA MARIA, FL, 34216
Active6 days on marketListed Oct 6, 2026MLS #A4708587
About this home
103 SUNSET LANE
A Rare Architectural Retreat in Sunset Cove, Steps from the Gulf! Gulf views, effortless beach access and a canvas of rare potential come together in this architectural gem in Sunset Cove, one of Anna Maria Island's most peaceful and private enclaves. The home sits at the end of a quiet cul-de-sac, just steps from dedicated beach access. Stroll out the door and within moments your feet are in sugar-white sand, with the turquoise Gulf stretching out before you. Monthly rental restrictions preserve the neighborhood's relaxed residential character. Designed by acclaimed architect H. Patterson Fletcher in the spirit of Frank Lloyd Wright, the custom-built residence embraces its natural surroundings with open, flowing spaces, abundant light and a seamless connection between indoors and out. Solidly constructed, the 3-bedroom, 2.5-bath home with bonus room rises three distinctive levels above an expansive walled lot, with ample room to create a private pool and a resort-style outdoor sanctuary. Inside, vaulted ceilings and walls of sliding glass bathe the living room in natural light and frame views of swaying palms and the shimmering Gulf beyond. The open kitchen and living area center on a kitchen island, custom solid-wood cabinetry and an oversized skylight that pours sunshine into the heart of the home. Step out to the generous elevated screened lanai for morning coffee, alfresco dining or a front-row seat as the evening sky turns to gold. The primary suite is a private escape, with a wall of sliders opening to its own balcony, a spacious ensuite bath and dual walk-in closets. Upstairs, two distinct sleeping areas and a full bath offer flexible accommodations for guests. The crown jewel is the rooftop deck. Along with the wraparound windows, it reveals sweeping treetop and Gulf views, an unforgettable setting for sunrise coffee, sunset cocktails and evenings under the stars. Below, an oversized garage provides exceptional storage for beach gear, bikes and island toys. This is a home ready for a new owner's vision. Architectural pedigree, privacy, Gulf views and beach access just steps away set the stage for an extraordinary, one-of-a-kind Anna Maria Island retreat.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,800
Sqft
0.23 ac
Lot size
2
Garage
1998
Year built
Two
Levels
$820
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 and the real association fee — not generic estimates.
$14,468 /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
$14,468/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
+38.8%
$/sqft vs Anna Maria actives
$820 vs $1,370
Days on market
6 vs 170 typical
Where $820/sqft sits among the 56 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 Anna Maria
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Anna Maria. See the full Anna Maria guide →
ANNA MARIA 34216 — neighborhood snapshot
Population
900
Median age
64.4
Median income
$99,188
Median home value
$1,154,400
Avg household
1.83
Households w/ children
11%
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)
22 of 56
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 103 SUNSET LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$2,900,000
101 SUNSET LANE · same community
4 bd · 3 ba · 2,507 sqft · $1,157/sqft · 43 DOM
Sold · Aug ’26$3,000,000
7 COVE VIEW COURT · same community
7 bd · 5.5 ba · 4,967 sqft · $604/sqft · 45 DOM
Sold · Sep ’26$14,250,000
104 SUNSET LANE · same community
5 bd · 6.5 ba · 8,962 sqft · $1,590/sqft · 273 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 103 SUNSET LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 SUNSET LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
103 SUNSET LANE FAQs
What would the monthly payment be for 103 SUNSET LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,468/mo — principal and interest, the actual property-tax bill, the $63/mo association fee 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.
How much are the HOA fees at 103 SUNSET LANE?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 103 SUNSET LANE?+
The most recent tax bill on record (2025) was $12,004. 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 103 SUNSET LANE?+
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 $2,295,000, this home is listed about 23% below the Anna Maria median of $2,985,000. The market section on this page shows how the area is trending.
Which schools are assigned to 103 SUNSET LANE?+
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
$2,295,000 is 16% below the ANNA MARIA 34216 median of $2,720,000, and at $820/sqft it sits under the Anna Maria average of $1,423.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 6 days on market in a Anna Maria market that averages 170 — 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 DUNCAN REAL ESTATE, INC. · Darcie Duncan. MLS #A4708587.
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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