Anna Maria Homes with VE Flood Zone

Welcome to Anna Maria, a charming city located in Manatee County, Florida. Known for its beautiful beaches, stunning sunsets, and laid-back atmosphere, Anna Maria is a hidden gem on the Gulf Coast.

One unique aspect of real estate in Anna Maria is the prevalence of homes in the VE Flood Zone. This flood zone designation indicates that properties in this area are at high risk of flooding and may require additional insurance. While this may seem daunting to some, many homeowners in Anna Maria find that the beauty and tranquility of living by the water far outweigh the potential risks.

Despite being in a flood-prone area, homes in the VE Flood Zone in Anna Maria offer unparalleled waterfront views, easy access to the beach, and a lifestyle that many dream of. Imagine waking up to the sound of waves crashing on the shore, enjoying your morning coffee with a view of the ocean, and ending your day with a peaceful sunset over the water.

If you're looking for a unique waterfront property with character and charm, consider exploring the homes in the VE Flood Zone in Anna Maria. With the right precautions and insurance in place, living in this beautiful coastal city can be a dream come true for those who appreciate the beauty and serenity of waterfront living.

Newest Anna Maria Homes with VE Flood Zone

$4,500,000

3 Beds ⋅ 3 Baths ⋅ Shore Acres SubDv. ⋅ 34216 Zip Code ⋅ A4688600 MLS ⋅ Active Status

This Bayfront home is calling your name! Perfectly positioned directly on the bay, this 3-bedroom, 2.5-bathroom residence offers breathtaking water views from almost every window, inviting the serene beauty of Tampa Bay inside. Step into an open, light-filled layout designed for relaxation and entertaining. The spacious interiors flow effortlessly, with generous living areas that frame panoramic bay vistas. Multiple balconies provide the ideal spots to savor morning coffee, sunrise, or the gentle bay breeze while watching dolphins play and boats glide by. Long, private driveway and attached garage offering ample parking for family and guests. Whether you’re hosting a weekend getaway or enjoying everyday island life, there’s plenty of room for boats, cars, and more. Just minutes from Anna Maria’s world-famous white-sand beaches, Pine Avenue’s charming shops and restaurants, this home combines privacy and convenience in one of the island’s most desirable north-end locations. Experience true Florida waterfront living—where every day feels like a vacation. Don’t miss this rare opportunity to own a slice of paradise on Anna Maria Island!

889 N Shore Drive, Anna Maria

$10,950,000

5 Beds ⋅ 8 Baths ⋅ Shore Acres SubDv. ⋅ 34216 Zip Code ⋅ A4684895 MLS ⋅ Active Status

Experience one of the most extraordinary waterfront settings on the coveted North End of Anna Maria Island, just moments from the world-renowned shores of Bean Point. Set on over an acre of Gulf-front beachfront land, this rare estate provides exceptional privacy, expansive shoreline, and breathtaking panoramic views of the Gulf of Mexico. In 2019, the property underwent a comprehensive structural and architectural redevelopment that transformed the residence into a modern coastal estate, including major infrastructure upgrades such as updated electrical, plumbing, and HVAC systems, along with new flooring, custom millwork, redesigned bathrooms, cabinetry, lighting, and modern coastal finishes throughout. Originally constructed as an elevated coastal residence, the home was extensively expanded, redesigned, and structurally reimagined to create a three-level retreat designed for elevated island living. The redevelopment included the addition of a private master suite level, construction of a large elevated pool and entertainment deck, and installation of a dramatic three-story architectural water feature, while completely reconfiguring the interior floor plan. Privately gated and approached by a palm-lined drive, the residence welcomes you with a striking 20-foot waterfall entry. Expansive windows capture nearly 270-degree Gulf views, filling the open living spaces with natural light and coastal breezes. The main living areas flow seamlessly to spacious outdoor terraces finished in Brazilian Walnut (IPE) decking—ideal for sunset entertaining overlooking the Gulf. The chef’s kitchen features custom rosewood cabinetry, three ranges, three ovens, a built-in coffee bar, wine refrigeration, and premium Sub-Zero, Wolf, Cove, and Miele appliances. Multiple bedroom suites include ensuite baths and water views, while a dedicated entertainment level features shuffleboard, a poker table, pool table, and lounge space. The top-floor owner’s retreat, accessible by elevator, captures sweeping Gulf views and includes oversized walk-in closets, a private coffee bar, and a spa-style bath with soaking tub and rain shower. Outdoor amenities include a heated ozone saltwater pool with lap feature, elevated entertainment deck, private gym, infrared sauna, and a two-car garage with additional golf cart space. Direct beach access leads to one of the most peaceful stretches of shoreline on Anna Maria Island. Located near the shops and restaurants of Pine Avenue, this property is a rare opportunity to own a fully transformed Gulf-front estate on over an acre of beachfront land on the North End of Anna Maria Island.

811 N Shore Drive, Anna Maria

$4,700,000

Wells Sub SubDv. ⋅ 34216 Zip Code ⋅ A4670910 MLS ⋅ Active Status

OVER A 1/2 ACRE ON THE BEACH... “Go the extra beach mile” and build on this cleared lot directly on the Bay at the tip of Bean Point ready for you to design the ultimate beach retreat, your new home! Morning coffee with the manatees, birds and dolphins and evening sunsets with the sandy beach within steps from your door. Loggerhead Turtles like to nest on the Island and you get a front row seat to this amazing event and then you get to watch and count the hatchlings as they swim away to return again in the future! Now is the time to plan for your new home on Anna Maria Island so you can walk to the future ROD & REEL Pier! Survey available 2/19/2016 Specific Purpose (fence) 25,200 SF Lot

831 North Shore Drive, Anna Maria

$8,250,000

3 Beds ⋅ 4 Baths ⋅ Shore Acres SubDv. ⋅ 34216 Zip Code ⋅ A4676858 MLS ⋅ Active Status

Rising gracefully on the sugar-white sands of Bean Point, The Golden Dolphin is a timeless Gulf-front residence that blends enduring craftsmanship with inspired artistry. The main living level unfolds into a grand living and dining area, where a full wall of sliders frame endless Gulf views and spectacular sunsets. The expansive balcony is an entertainer’s dream, featuring a fully equipped Lynx outdoor kitchen and a beautifully carved fireplace—an inviting setting for al fresco dining or evenings by the fire. Inside, the chef’s kitchen is outfitted with Sub-Zero, Viking, and Miele appliances, seamlessly combining performance and elegance. A refined library retreat, complete with a fireplace and exquisitely carved bookcases, offers a quiet haven for reading or reflection. The third floor is devoted to luxurious private living. The palatial primary ensuite is a serene sanctuary with spa-like amenities and opens to its own Gulf-facing balcony. Here, a soaking tub, rain shower, and an additional fireplace create an indulgent, resort-style experience. Also on this level are a gracious guest suite, a whimsical children’s ensuite bedroom, and a conveniently located laundry room. The first floor welcomes you with a dramatic foyer featuring soaring ceilings and an elevator. Just beyond lies the imaginative Captain’s Quarters, a fantastical space designed to replicate the galley of a pirate’s lair—both playful and unforgettable. An expansive office follows, showcasing granite countertops and intricately carved walls with integrated drawers and shelving, offering both beauty and function. Outdoors, the home transforms into a private oasis. The grotto-style pool provides shaded comfort and is adorned with multiple water features, while a surrounding fireplace and dining area create an intimate setting for gathering. Beyond the pool, a sun-drenched private patio invites leisurely afternoons of relaxation and sunbathing. Built to stand the test of time, The Golden Dolphin is constructed with concrete and rebar throughout and engineered with advanced drainage systems designed to reroute floodwaters. This exceptional residence has sustained no damage from past hurricanes, offering peace of mind alongside its unparalleled beauty. A rare offering on Anna Maria Island, The Golden Dolphin is a masterful expression of luxury, resilience, and coastal elegance—where art, architecture, and the Gulf converge in perfect harmony.

801 N Shore Drive, Anna Maria

$5,000,000

4 Beds ⋅ 5 Baths ⋅ Shore Acres SubDv. ⋅ 34216 Zip Code ⋅ A4674863 MLS ⋅ Active Status

DIRECT BEACHFRONT - This residence generated nearly $500,000 in income for 2025! Positioned on the pristine shores of the north end of Anna Maria Island, this extraordinary direct beachfront estate offers a rare opportunity to own a luxury coastal retreat while building lasting generational wealth through an exceptional income-producing opportunity. Offered turnkey furnished, this stunning residence seamlessly combines refined beachfront living with an impressive history of high-performing short-term rental revenue. Thoughtfully updated with numerous recent enhancements—including new upper-level sliding glass doors—this home is designed to maximize breathtaking panoramic views of Tampa Bay and the iconic Sunshine Skyway Bridge. Expansive walls of glass flood the open-concept living and dining spaces with natural light, while floor-to-ceiling sliders lead to a spacious waterfront balcony, creating the perfect setting for entertaining or simply enjoying the serenity of the Gulf Coast lifestyle. The gourmet kitchen is beautifully appointed with shaker-style cabinetry, quartz countertops, an oversized island with seating, and premium stainless-steel appliances, including a gas range. Each of the four spacious bedroom suites serves as a private retreat, complete with its own en-suite bath and private balcony surrounded by lush tropical scenery. Additional upgrades include refreshed tropical landscaping with exterior lighting, new ground-level outdoor furnishings, and freshly painted interior and exterior spaces. The covered poolside lounge and dining area provides the ultimate waterfront experience, just steps from the sugar-sand beaches of Anna Maria Island. In the evenings, unwind as the illuminated Skyway Bridge creates a spectacular backdrop across the bay. Beyond its timeless coastal architecture and unmatched beachfront setting, this property presents a truly remarkable investment opportunity with a proven track record and substantial rental income. The residence generated nearly $500,000 in income for 2025, with $456,000 booked in 2024 and $464,000 in 2023. Future reservations for 2026--2027 are already in place, offering immediate continuity of revenue and long-term wealth-building potential. Comprehensive rental history and future booking details for 2025-2027 are available upon request. A rare offering that blends luxury, lifestyle, and legacy investment potential—this is beachfront ownership at its finest.

915 N Shore Drive, Anna Maria

$3,890,000

Wells Sub SubDv. ⋅ 34216 Zip Code ⋅ A4674489 MLS ⋅ Active Status

Presenting LOT 25 a rare opportunity to secure a beautiful buildable bayfront lot on the north end of Anna Maria Island, offering sweeping unobstructed water views, Skyway bridge views and an unparalleled coastal lifestyle. Located just moments from the pristine shores of Bean Point, this property provides coveted beach access to one of the island’s most peaceful stretches of sand. This exceptional lot is ready for your dream home, and the seller is offering a custom build-to-convey option, allowing you to enjoy a seamless design-and-build experience. Create a luxury coastal retreat tailored to your style—whether modern, elevated coastal, or classic island architecture. Perfectly positioned near the beach, shops, dining, and the island’s natural beauty, this property is ideal for a full-time residence, vacation home, or high-end investment with the property zoned for nightly rentals. You do also have the option to purchase both lots 24 and 25.

837 N Shore Drive, Anna Maria

$3,890,000

Wells Sub SubDv. ⋅ 34216 Zip Code ⋅ A4674486 MLS ⋅ Active Status

Presenting LOT 24 a rare opportunity to secure a beautiful buildable bayfront lot on the north end of Anna Maria Island, offering sweeping unobstructed water views, Skyway bridge views and an unparalleled coastal lifestyle. Located just moments from the pristine shores of Bean Point, this property provides coveted beach access to one of the island’s most peaceful stretches of sand. This exceptional lot is ready for your dream home, and the seller is offering a custom build-to-convey option, allowing you to enjoy a seamless design-and-build experience. Create a luxury coastal retreat tailored to your style—whether modern, elevated coastal, or classic island architecture. Perfectly positioned near the beach, shops, dining, and the island’s natural beauty, this property is ideal for a full-time residence, vacation home, or high-end investment with the property zoned for nightly rentals. You do also have the option to purchase both lots 24 and 25.

839 N Shore Drive, Anna Maria

$2,695,000

Shore Acres SubDv. ⋅ 34216 Zip Code ⋅ A4672295 MLS ⋅ Active Status

Prime waterfront lot located in Anna Maria. This rare vacant parcel offers direct water frontage. Property is cleared and ready for construction, providing the perfect site for a custom coastal residence. Situated on a quiet street within close proximity to beaches, shopping, dining, and island amenities. Enjoy wide water views and direct view of the Sunshine Skyway Bridge. Don’t miss this exceptional opportunity to build your dream home on the water in Anna Maria.

873 N Shore Drive, Anna Maria

$5,775,000

Shore Acres SubDv. ⋅ 34216 Zip Code ⋅ A4595695 MLS ⋅ Active Status

*State DEP permit in hand and ready to build - lot comes with complete custom home plans.* Just get your city permit or personally design your dream home on the beach! Stunning estate sized Gulf-front property located at 769 N Shore Dr, Anna Maria, FL. This cleared lot is almost one full-acre with 102' of beach frontage, offering direct access to the pristine white sand beaches of the Gulf of Mexico. Full 180-degree views of the beach and Gulf of Mexico. Year-round sunset views. Enjoy the convenience of walking to the charming restaurants and boutique shops of Anna Maria from your dream coastal haven.

769 N Shore Drive, Anna Maria

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