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109 TERN DRIVE

Anna Maria, FL, 34216

Pending

$1,399,000

2

Bedrooms

2

Bathrooms

1,223 sqft

Living Area

1968

Year Built

7,500

Lot Size (sqft)

159

Days on Market

Dock & Water AccessMLS

Canal - Saltwater

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Love the beach and love to boat? Delightful waterfront home with direct access to open water. Located on the famed North end of Anna Maria Island. This 2 bedroom 2 bathroom home offers incredible opportunities for adventure. Whether it is the sand of the Gulf beaches you seek or if enjoying the water from a boat, kayak, or paddle board is your thing the choice is yours. Another incredible benefit of this location is the proximity to Pine Ave, full of fun shopping and eateries. Generously sized lot is positioned on a cul-de-sac providing privacy due to no through traffic. Concrete block paired with a metal roof creates a formidable structure. As you enter the home you will be welcomed by a sense of coziness. The kitchen features solid wood cabinetry and exquisite Taj Mahal quartzite countertops. Entertaining is aided by the in-ceiling home speaker system. Enjoy year around serene water views from the 300 square foot screened-in lanai equipped with four ceiling fans. Single car garage for all your storage needs or get creative for a possible third bedroom. The large lot leaves ample room for a pool to the front of the house. Schedule a showing today and discover if this piece of paradise if right for you.

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Location

Anna Maria, FL, 34216

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of SATO REAL ESTATE INC. via Stellar MLS

Last checked: 1 hour ago

Listing updated: August 20, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone AE
BFE: 7ft

Special Flood Hazard Area

View FEMA Flood Map →

Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$279,800 down

%
Principal & Interest$7,259/mo
Property Tax (est. ~1.2%, varies by county)$1,399/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$8,908
Loan Amount: $1,119,200Rate: 6.75%
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$1,399,000Tour the dockSchedule a Showing