Manatee County · also Sarasota
Buying a home in Anna Maria Island and Longboat Key
Island prices, flood rules and which county your parcel sits in decide what you'll pay here.
Median sale, all homes
$1,035,000
Median house
$2,017,500
House $/sq ft
$966
That house, a month
$17,186
481 sales, Apr 2026 to Sep 2026, county property appraiser records. Monthly cost: 3.5% down at 7.24%, with Anna Maria Island and Longboat Key taxes and insurance.
Buying on Anna Maria Island or Longboat Key: tax rates by town, the Longboat Key county split, the FEMA 50% rule and recent prices, checked against official sources.
Prices by home type
- Houses$2,017,500 · 176 sold
- Condos$756,750 · 278 sold
- Townhomes$570,000 · 5 sold
- Villas$660,000 · 8 sold
- Manufactured$205,000 · 14 sold
What buyers should know
Recent median sale
$1,035,000
Anna Maria, Holmes Beach, Bradenton Beach and Longboat Key (both counties), 481 recorded sales, all home types: condos $756,750, houses $2,017,500. The Census puts Longboat Key's typical owner's home value at $1,022,100 (2020-24). Manatee's records don't mark non-market sales, so sales under $50,000 are left out.
Apr-Sep 2026 · Manatee County parcel records, Sarasota County Property Appraiser, U.S. Census
Property tax rate
12.88 to 15.25 mills
Anna Maria 14.35, Holmes Beach 14.69, Bradenton Beach 15.03. Longboat Key: 14.84 to 15.25 on the Manatee side, 12.88 to 13.30 on the Sarasota side.
2025 tax year · Manatee Property Appraiser, Fla. Dept. of Revenue, Sarasota Tax Collector
Longboat Key's county
63% Sarasota
About two-thirds of Longboat Key's parcels are in Sarasota County, the rest in Manatee. Tax rate, down payment help and who usually pays for title all follow the parcel's county.
Town count, 2021 · Town of Longboat Key, Wikipedia
Flood code on repairs
The 50% rule
If repairs or a remodel cost half the building's market value or more (land not counted), the home must be brought up to current flood code, often by raising it. Ask about past storm damage and permits.
FEMA flood rule · Sarasota County, Manatee County
Worth knowing before you offer
- Most island homes sit in high-risk flood zones, so a mortgage requires flood insurance. Ask to take over the seller's policy, which can keep its discount. FEMA flood insurance guide
- If repairs on an older island home top half the building's value, FEMA's 50% rule requires raising it to current flood code. Sarasota County floodplain guide
Down payment help that can apply in Anna Maria Island and Longboat Key
- Florida Hometown Heroes: 5% of your loan, $10,000 to $35,000
- FL Assist: Up to $10,000
- FL HLP second mortgage: $12,500
- HFA Preferred PLUS: 3%, 4% or 5% of your loan
- Manatee County HFA Home Ownership Program: Up to $15,000, plus a yearly tax credit
Facts last checked Oct 23, 2026.