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About This Home

This 2-bedroom, 2-bathroom single family at 109 TERN DRIVE in Anna Maria, FL is listed for $1,499,000 ($1,226 per sqft). Built in 1968, the home offers 1,223 sqft of living space on a 0.17 acres lot.

Agent 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.

Key Features

  • Built in 1968
  • 0.17 acre lot
  • Waterfront

Property Details

2 full
1968

Amenities

Waterfront

Monthly Cost Estimate

$8,017/mo

20% down · 6.5% · 30 years

Principal$1,084
Interest$6,496
Insurance$437

Estimates only. Actual payments may vary.

Location

109 TERN DRIVE

Anna Maria, FL 34216

LUANA ISLES

Features & Amenities

Interior Features

Ceiling Fans(s)Eat-in KitchenSolid Surface CountersSolid Wood CabinetsThermostatWindow Treatments

Exterior Features

Private YardRain GuttersStorageDock

Property Details

Flooring

CarpetTileTile - Ceramic

Construction

Block

Parking

GarageGarage - Attached

Heating

CentralElectric (Heating)

Cooling

Central Air

Appliances

DishwasherGarbage DisposerMicrowaveRefrigeratorWasher

Questions & Answers

This 2-bedroom, 2-bathroom single family at 109 TERN DRIVE is listed at $1,499,000 ($1,226/sqft). The estimated monthly payment is $6,496 based on 20% down at 6.5% interest.

Key features include: Built in 1968, 0.17 acre lot, Waterfront. Interior Features: Ceiling Fans(s), Eat-in Kitchen, Solid Surface Counters. Exterior Features: Private Yard, Rain Gutters, Storage.

This property is listed by Justin Powell and can be reached at 9417787200 or justin@satorealestate.com.

JP

Justin Powell

Agent at SATO REAL ESTATE INC.

(941) 778-7200

Listed by SATO REAL ESTATE INC. · View on Broker Site

MLS# A4685406· Source: listhub· Updated 81 days ago

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

109 TERN DRIVE, Anna Maria, FL 34216

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