110 SPRING AVENUE, Anna Maria, FL, 34216 | $3,000,000

Welcome to one of Anna Maria Island's most distinctive addresses — a 5-bedroom, 4. 5-bath luxury coastal residence steps from the Gulf that offers something exceptional even by island standards: C1 neighborhood commercial zoning that permits a ground-floor business with two floors of refined residential living above. The flexibility here is remarkable, and the Gulf-front setting is simply unmatched. Completely reimagined in 2022 and positioned one property from the Gulf, the home reflects the very best of modern coastal design. Wide-plank flooring, custom cabinetry, designer lighting, and an expansive open-concept layout create an effortless backdrop for both everyday living and elevated entertaining. The chef's kitchen — anchored by stone countertops, premium appliances, and a generous island — flows seamlessly into the living and dining spaces. A private elevator connects all three levels with quiet elegance, enhancing accessibility and the overall sense of arrival. Each bedroom suite is a serene coastal sanctuary. The primary retreat elevates the experience further with a spa-inspired bath and private terrace access, while multiple balconies, covered lounge areas, and a swim-spa extend the living spaces outdoors. Impact windows and doors, elevated construction, and modern mechanicals deliver lasting durability and meaningful insurance advantages. Already a proven Airbnb performer and delivered fully furnished and turn-key, this property generates strong rental income when not in personal use. For the discerning buyer seeking a luxury Gulf-front home, a high-performing investment, a multigenerational retreat, or a live-work opportunity unlike anything else on the island — this C1-zoned address delivers it all, just steps from the Gulf and the iconic Sand Bar Restaurant.

Features

  • Elevator: Y
  • Rooms: 7
  • Bedrooms: 5
  • Baths: 4 full / 1 half
  • Lot Size: 51.4 x 145
  • Laundry: Inside, Laundry Room, Upper Level
  • Style: Coastal, Key West
  • Year Built: 1996
  • Garage: Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,925
  • Acreage: 0.17
  • Lot Size: 51.4 x 145
  • Est. Taxes: $36,243
  • View: Water
  • Elem. School: Anna Maria Elementary
  • Middle School: Martha B. King Middle
  • High School: Manatee High
  • Appliances: Built-In Oven, Dishwasher, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer
  • MLS#: A4673879
  • Days on Market: 147 days
  • Website: https://www.raveis.com
    /eprop/A4673879/110springavenue_annamaria_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/14/2026 7:47:08 PM)
Listing courtesy of KW COASTAL LIVING II   Phone: 941-556-0500

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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110 SPRING AVENUE, Anna Maria, FL, 34216

$3,000,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,400,000 $2,400,000 $2,400,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.235% 6.164%
Monthly Tax Payment $3,020 $3,020 $3,020
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $14,197 $14,583 $20,253
Total Monthly Payment $17,342 $17,728 $23,398

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.