Step 1 of 4 · Plan · Town guide
Buying your first 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.
See your real monthly cost in Anna Maria Island and Longboat KeyWhat changes the math in Anna Maria Island and Longboat Key
Each fact links to the sources we checked it against.
Recent median sale
$1,050,000
Anna Maria, Holmes Beach, Bradenton Beach and Longboat Key (both counties), 469 recorded sales, all home types: condos $758,500, houses $2,050,000. 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.
As of Apr-Sep 2026Manatee County parcel records ↗Sarasota County Property Appraiser ↗U.S. Census ↗Checked Oct 18, 2026
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.
As of 2025 tax yearManatee Property Appraiser ↗Fla. Dept. of Revenue ↗Sarasota Tax Collector ↗Checked Oct 15, 2026
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, 2021Town of Longboat Key ↗Wikipedia ↗Checked Oct 15, 2026
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 ruleSarasota County ↗Manatee County ↗Checked Oct 15, 2026
Down payment help
5 open programs for Anna Maria or Longboat Key
Checked against official sources this month. Income and price limits apply, and most can’t all be combined.
- Manatee County HFA Home Ownership ProgramUp to $15,000, plus a yearly tax credit
- Florida Hometown Heroes5% of your loan, $10,000 to $35,000
- FL AssistUp to $10,000
- FL HLP second mortgage$12,500
- HFA Preferred PLUS3%, 4% or 5% of your loan
Found a home? Check the address itself
Flood zone, evacuation level and the exact tax bill change street by street. These official Manatee County tools give the answer for one address.
Your blueprint
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