Anna Maria Beach Third Add

Seller motivated! Positioned along the most sought-after stretch of Pine Avenue—known for its vibrant coastal charm, boutique shopping, dining, and steady pedestrian traffic, 418 Pine Avenue offers a truly rare opportunity to own a waterfront property with coveted ROR zoning. Properties like this are few and far between, especially those that combine direct water access with the ability to create both a luxury lifestyle and a dynamic income-producing asset in the heart of one of the island’s most iconic corridors. This elevated, solid concrete home features 4 bedrooms and 3 bathrooms, each bedroom offering spacious walk-in closets complete with custom closet systems. The open-concept floor plan is designed to maximize natural light and water views, seamlessly blending indoor and outdoor living. Step out onto the expansive main-level balcony or enjoy one of three additional balconies—two overlooking the water and two facing the lively energy of Pine Avenue. The ROR zoning creates exceptional flexibility for income potential. Envision renting the upper-level residence while activating the lower level as a waterfront-facing business such as a boutique retail shop, professional office, art gallery, wellness studio, café, or even a unique waterfront business concept like a paddleboard/kayak outfitter, dockside café, or marine-focused experience. The combination of visibility from Pine Avenue and direct water frontage is incredibly rare and valuable. Boating enthusiasts will appreciate having only one fixed bridge to open water, along with a private dock where marine life is frequently seen right in your backyard. The outdoor space is equally impressive, featuring a pool and ample room for entertaining, dining, and enjoying the Florida lifestyle year-round. Additional highlights include impact windows and doors throughout, plantation shutters, newer HVAC system, metal roof, and fresh interior paint. Whether you’re searching for a primary residence, a luxurious second home, or a high-performing investment with unmatched zoning advantages, this property delivers on every level. Being sold complete with professional design services to help you elevate and personalize the space.

Est. Mortgage

$13,142

HOA Fee

$0

Est. Property Tax

$2,214

Est. Insurance

$866

* Estimates are for illustration purposes only and do not constitute an offer of financial advice. Actual rates, payments, insurance, and taxes will vary based on credit, location, and other factors. Contact a licensed mortgage professional for a personalized quote. Homeowners insurance estimate based on Florida averages.