Eric Chery
$3,995,000$4,495,0004 bd3.5 ba3,755 sqft$1,064 /sqft$26,788 /mo all-in ↓

313 HAMMOCK CIRCLE, ANNA MARIA, FL, 34216

Active155 days on marketListed Feb 18, 2026MLS #A4682229

Reduced $500KWaterfrontPrivate poolSingle Family ResidenceCOCONUT BAYOU

About this home

313 HAMMOCK CIRCLE

This waterfront coastal retreat embodies refined island luxury, offered completely turnkey and thoughtfully designed for both elevated living and exceptional entertaining. Positioned on a quiet cul-de-sac the home makes an immediate impression with its stately architecture, paver driveway, lush tropical landscaping, and landscape lighting that beautifully illuminates the property at dusk. Inside, travertine flooring flows throughout, complemented by crown molding in every room and tray ceilings that add architectural depth and sophistication across all three levels. The top floor serves as the heart of the home, where an expansive living and dining area is framed by large sliders that capture vibrant sunset skies and lead to two generous balconies, seamlessly blending indoor and outdoor living. The chef’s kitchen is a showpiece, appointed with premium Monogram appliances, a professional gas range with pot filler, custom cabinetry, striking backsplash detail, and abundant counter space designed for effortless entertaining. The living room offers an abundance of natural light that frames a beautiful fireplace adding an elevated ambiance. Designer lighting, custom stair railings, and carefully curated finishes create a cohesive coastal elegance that feels both polished and welcoming. The mid-level hosts 4 spacious bedrooms enhanced with shiplap accent walls in select rooms, adding warmth and texture, along with a comfortable family room that opens to an oversized balcony overlooking the tranquil bayou. A private elevator provides convenient access to every floor, while modern enhancements including a security system, Sonos sound system inside and out, solar panels, and a tankless hot water heater deliver efficiency and peace of mind. Outdoors, the property transforms into a true waterfront oasis featuring a sparkling heated pool and spa, fire features, expansive paver deck, screened-in patio lounge area, and multiple covered spaces ideal for year round enjoyment. The private dock is equipped with electric and water, offering boating access and completing the ultimate Florida lifestyle experience. The pass-through two car garage, paired with separate storage rooms is designed to accommodate lifestyle amenities and the home’s location within a short-term rental zone presents outstanding investment potential. From sunrise coffee on the balcony to sunset reflections dancing across the bayou, every detail of this exceptional residence has been thoughtfully designed to capture the very best of coastal living.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,755

Sqft

0.21 ac

Lot size

2

Garage

2017

Year built

Two

Levels

$1,064

Per sqft

Private poolWaterfrontFireplacePool & Water viewTurnkeyPets allowed

Inside

FlooringTile · Travertine
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Tankless Water Heater · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Stone Counters · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Zoned
HeatingCentral · Electric
FurnishedTurnkey

Outside & construction

RoofMetal
ConstructionStucco
FoundationSlab
ViewPool · Water
FacesNorth
ParkingDriveway · Garage Faces Side
ExteriorFire Pit · French Doors · Irrigation System · Lighting · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$42,872/yr
PetsYes

Utilities & systems

UtilitiesPublic · Solar · Street Lights · Underground Utilities
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.

$26,788 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$21,557
PMI (est., until 20% equity)$1,498
Property tax — 2025 actual bill$3,573
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $399,500Loan30-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% · $399,500
Interest rate6.00%
Loan term

Estimated payment

$26,788/mo

Principal & interest$21,557
PMI (est., until 20% equity)$1,498
Property taxes (actual bill)$3,573
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

$1,064 vs $1,470

Days on market

155 vs 101 typical

Where $1,064/sqft sits among the 75 Anna Maria actives

17 · this home
20
11
14
8
5
$854–1115$1115–1376$1376–1637$1637–1898$1898–2159$2159+

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 Coconut Bayou

Map of 313 HAMMOCK CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Tampa75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Anna Maria. See the full Anna Maria guide →

Coconut Bayou — neighborhood snapshot

Population

84

Median age

65

Median income

$86,964

Median home value

$967,500

Avg household

1

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 buyer10.4 months of inventoryBuyer’s market

$1.5M$2.2M

Anna Maria median sold, yr/yr

92.8%

Sale-to-list ratio (12 mo)

34 of 75

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 33% above the ANNA MARIA 34216 median. See the full Anna Maria market guide →

Paper trail

This home's history

CurrentPrice reduced to $3,995,000 $500K
Feb 18, 2026Listed at $4,495,000 · 155 days on market since
2017Built · COCONUT BAYOU

Reality check

What actually sold near 313 HAMMOCK CIRCLE

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

316 HAMMOCK CIRCLESold · Apr ’26

$2,770,000

316 HAMMOCK CIRCLE · same community

3 bd · 3 ba · 2,374 sqft · $1,167/sqft · 5 DOM

129 HAMMOCK ROADSold · Mar ’26

$2,550,000

129 HAMMOCK ROAD · same community

4 bd · 3 ba · 2,368 sqft · $1,077/sqft · 9 DOM

123 HAMMOCK ROADSold · Jul ’25

$1,500,000

123 HAMMOCK ROAD · same community

3 bd · 2 ba · 1,288 sqft · $1,165/sqft · 109 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 313 HAMMOCK CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 313 HAMMOCK CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

313 HAMMOCK CIRCLE FAQs

What would the monthly payment be for 313 HAMMOCK CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $26,788/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 313 HAMMOCK CIRCLE?+

The most recent tax bill on record (2025) was $42,872. 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 313 HAMMOCK CIRCLE?+

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 $3,995,000, this home is listed about 14% above the Anna Maria median of $3,495,000. The market section on this page shows how the area is trending.

Which schools are assigned to 313 HAMMOCK CIRCLE?+

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

$3,995,000 runs 33% above the ANNA MARIA 34216 median — but at 3,755 sqft it's also 55% 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 $4,495,000, now $3,995,000 — a $500K cut. The full history is in the market section below.

Listing courtesy of DUNCAN REAL ESTATE, INC. · Darcie Duncan. MLS #A4682229.

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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