Chad Creech
$6,995,000$7,195,0005 bd5.5 ba3,484 sqft$2,008 /sqft$41,748 /mo all-in ↓

319 TARPON STREET, ANNA MARIA, FL, 34216

Active144 days on marketListed Mar 23, 2026MLS #A4684329

Reduced $200KNew constructionWaterfrontPrivate poolFully furnishedSingle Family ResidenceBIMINI BAY ESTATES

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About this home

319 TARPON STREET

Experience a striking new expression of waterfront living at 319 Tarpon Street, a fully furnished coastal residence positioned on a quiet dead-end street in the heart of Anna Maria. Set along 75 feet of saltwater canal frontage, the home was thoughtfully designed to capture sweeping, long canal views while creating an effortless connection between its indoor and outdoor spaces. Offering 3,484 square feet of air-conditioned living space and more than 7,500 total square feet of indoor-outdoor living, this five-bedroom, five-and-a-half-bath residence pairs refined coastal design with the comfort and resilience of new construction. A private elevator serves each level, while the three-car garage provides generous room for vehicles, a golf cart and island essentials. The main living level is centered around a beautifully appointed chef’s kitchen with custom cabinetry, stone countertops, an expansive island and ample space for entertaining. The kitchen flows naturally into the dining and great room, where a gas fireplace and wide openings to the covered waterfront lanai create an inviting setting for gatherings. Three guest suites, a den or office, laundry room and additional thoughtfully designed spaces provide flexibility for family and guests. The upper level offers a private primary retreat with a spa-inspired bath, generous walk-in closet and covered balcony overlooking the water. An additional guest suite and an expansive approximately 830-square-foot open-air terrace create an exceptional setting for morning coffee, sunset cocktails or evenings under the stars. Outdoor living is equally impressive. The resort-style heated pool and spa are framed by generous covered entertaining areas, tropical landscaping and an outdoor shower, all positioned to take full advantage of the tranquil canal setting. Seventy-five feet of concrete seawall and saltwater canal access to Bimini Bay further enhance the waterfront lifestyle. Built to current coastal standards and offered fully turnkey furnished, 319 Tarpon is equally suited as a private island retreat, full-time residence or luxury vacation property with weekly rental flexibility. Beaches, Pine Avenue shops and restaurants, the City Pier and everything that makes Anna Maria special are only a short golf-cart or bicycle ride away. This is more than a new home—it is a thoughtfully designed waterfront experience where elevated construction, relaxed luxury and the best of island living come together.

Facts & features

The home at a glance

5

Bedrooms

5.5

Bathrooms

3,484

Sqft

0.19 ac

Lot size

3

Garage

2026

Year built

Two

Levels

$2,008

Per sqft

Private poolWaterfrontFireplacePool & Water viewFurnishedPets allowed

Inside

FlooringPorcelain Tile · Tile
AppliancesCooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Freezer · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Elevator · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Thermostat
LaundryLaundry Room
CoolingCentral Air
HeatingElectric
FurnishedFurnished

Outside & construction

RoofConcrete · Tile
ConstructionBlock · Concrete
FoundationPillar/Post/Pier
ViewPool · Water
FacesEast
ExteriorBalcony · Irrigation System · Lighting · Outdoor Shower · Rain Gutters

Community & fees

Taxes (2025)$14,648/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$41,748 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$37,745
PMI (est., until 20% equity)$2,623
Property tax — 2025 actual bill$1,221
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $699,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $699,500
Interest rate6.00%
Loan term

Estimated payment

$41,748/mo

Principal & interest$37,745
PMI (est., until 20% equity)$2,623
Property taxes (actual bill)$1,221
Est. insurance$160

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.

$/sqft vs Anna Maria actives

$2,008 vs $1,470

Days on market

144 vs 143 typical

Where $2,008/sqft sits among the 65 Anna Maria actives

11
20
12
10
8 · this home
4
$859–1119$1119–1379$1379–1639$1639–1900$1900–2160$2160+

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

Map of 319 TARPON STREET

Drive times from this address

Downtown Tampa74 min

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

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighManatee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Anna Maria market

Seller’s marketLeans buyer7.6 months of inventoryBuyer’s market

$1.5M$2.6M

Anna Maria median sold, yr/yr

93.0%

Sale-to-list ratio (12 mo)

30 of 65

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 134% above the ANNA MARIA 34216 median. See the full Anna Maria market guide →

Paper trail

This home's history

CurrentPrice reduced to $6,995,000 $200K
Mar 23, 2026Listed at $7,195,000 · 144 days on market since
2026Built · BIMINI BAY ESTATES

Reality check

What actually sold near 319 TARPON STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

244 WILLOW AVENUESold · Mar ’26

$5,550,000

244 WILLOW AVENUE · same community

6 bd · 6.5 ba · 3,695 sqft · $1,502/sqft · 172 DOM

329 TARPON STREETSold · Apr ’26

$5,500,000

329 TARPON STREET · same community

4 bd · 4.5 ba · 3,751.17 sqft · $1,466/sqft · 425 DOM

314 HARDIN AVENUESold · Aug ’25

$830,000

314 HARDIN AVENUE · same community

3 bd · 2 ba · 1,504 sqft · $552/sqft · 4 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 319 TARPON STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 319 TARPON STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

319 TARPON STREET FAQs

What would the monthly payment be for 319 TARPON STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $41,748/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 319 TARPON STREET?+

The most recent tax bill on record (2025) was $14,648. 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 319 TARPON STREET?+

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 $6,995,000, this home is listed about 97% above the Anna Maria median of $3,552,500. The market section on this page shows how the area is trending.

Which schools are assigned to 319 TARPON STREET?+

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

01Positioned at the premium end

$6,995,000 runs 134% above the ANNA MARIA 34216 median — but at 3,484 sqft it's also 44% larger than the typical Anna Maria listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong 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.

04The price has already moved

Listed at $7,195,000, now $6,995,000 — a $200K cut. The full history is in the market section below.

Listing courtesy of MICHAEL SAUNDERS & COMPANY · Dee Munn. MLS #A4684329.

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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