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© 2026 DockOnly™. All rights reserved.

DockOnly™ and Dock Score™ are trademarks of Blue Mar Real Estate Group Inc.

Blue Mar Real Estate Group Inc. — Licensed Florida Real Estate Broker

Blue Mar Real Estate Group Inc.

Licensed Florida Real Estate Broker · DBPR License CQ1018554

4000 Ponce De Leon Blvd, Suite 470, Coral Gables, FL 33146

[email protected]

Listing data is provided by participating Multiple Listing Services and is deemed reliable but not guaranteed. Each listing's MLS source and its required disclosures appear with that listing. Dock Score™ is a DockOnly.com rating and is not provided by or affiliated with any MLS or listing broker. NOAA chart data is public domain and for reference only — not for navigation. Full MLS Compliance

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This website complies with the Fair Housing Act. We do not discriminate on the basis of race, color, religion, sex, national origin, familial status, or disability.

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+20

109 TERN DRIVE

ANNA MARIA, FL, 34216

Active

$1,499,000

109 TERN DRIVE

ANNA MARIA, FL, 34216

Active

$1,499,000

2

Bedrooms

2

Bathrooms

1,223 sqft

Living Area

1968

Year Built

$1,499,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map — verify navigability with a local captain or surveyor before relying on it.

7,500

Lot Size (sqft)

110

Days on Market

Dock Score™

DockOnly
66
Good

What shaped this score

✓Ocean Access
✓Dock present
✓Bridge-free to bay & ocean
✓Fits boats up to ~38ft (est.)

DockOnly.com rating — not provided by the MLS or listing broker.

Dock & Water AccessMLS

Canal - Saltwater

AI Aerial Imagery Detection

Dock DetectedSeawall DetectedDeep Water Indicators~32-44 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

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.

Schedule a Showing

See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

Select a date

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 updated: 6/30/2026

© 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.

Dock Score™

DockOnly
66
Good

What shaped this score

✓Ocean Access
✓Dock present
✓Bridge-free to bay & ocean
✓Fits boats up to ~38ft (est.)

DockOnly.com rating — not provided by the MLS or listing broker.

FEMA Flood Zone AE
BFE: 7ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$299,800 down

%
Principal & Interest$7,778/mo
Property Tax (est. ~1.2%, varies by county)$1,499/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$9,527
Loan Amount: $1,199,200Rate: 6.75%
Get Pre-Qualified

Estimated payments only. Actual rates and terms may vary.

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