Waterfront Homes for Sale in Anna Maria, FL
This page tracks every Anna Maria listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
22 waterfront homes are for sale or pending in Anna Maria, FL today across 13 communities. The median asking price is $4,345,000, from $1,399,000 to $8,995,000. Listings in Anna Maria without that feature have a median of $3,117,500. Most listings right now: Bimini Bay Estates (4), Shore Acres (3), Luana Isles (3). Updated September 8, 2026 from the MLS.
Anna Maria waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Bimini Bay Estates | 4 | 1 | $4,992,500 | $3,950,000 |
| Shore Acres | 3 | 0 | $4,200,000 | $2,950,000 |
| Luana Isles | 3 | 0 | $1,499,000 | $1,399,000 |
| Wells Bay Harbor Sec A | 1 | 1 | $8,995,000 | $8,995,000 |
| Shore Acres First Add | 1 | 0 | $8,250,000 | $8,250,000 |
| Villa Rosa | 1 | 0 | $7,500,000 | $7,500,000 |
| Good Life Sub | 1 | 0 | $6,375,000 | $6,375,000 |
| Anna Maria Beach | 1 | 0 | $5,450,000 | $5,450,000 |
| Wells Bay Harbor Sec A Rep | 1 | 0 | $2,750,000 | $2,750,000 |
| Anna Maria Beach Third Add | 1 | 0 | $2,599,000 | $2,599,000 |
| Lacios Sec B | 1 | 0 | $2,499,900 | $2,499,900 |
| Lardas Unit One | 1 | 0 | $2,395,000 | $2,395,000 |
| Luana Isles 1St Add | 1 | 0 | $1,775,000 | $1,775,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Anna Maria?
What do waterfront homes cost in Anna Maria?
Which Anna Maria community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring Anna Maria
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Anna Maria, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.