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Real Estate

Top Ten Questions for Anna Maria Island Lender

Choosing the right experts to help in your Anna Maria Island property search is imperative. Zoning, Coastal Construction Lines, Riparian rights, Vacation Rental regulations, insurance, property easements and the list of important considerations when purchasing Anna Maria Island property can go on and on. One of the key professionals in a successful property purchase is choosing the correct lender. Below are the top ten questions to ask when choosing your Anna Maria Island lender.

  1. How many loans do you perform on Anna Maria Island on average a month or quarter? If the answer is one or two per year then ask if they service other barrier islands like Longboat or Lido Key. If the answer is no then we would suggest you move on. One challenge with Anna Maria Island property is mainland lenders can struggle to understand land value versus improvement value. More specifically, the land is normally worth more than the home.
  2. Where is your office located? This can be another key indicator of how local the lender is. If their office is in Omaha, Nebraska you may want to look elsewhere.
  3. What are your fees, rates, and closing costs in general? Are they negotiable? A good faith estimate will be provided by the lender however good to work through fees prior to investing your time with the wrong lender.
  4. Do you perform remote closings where paperwork can be signed elsewhere? This can be key for second homes. Most lenders provide remote closing but good to check to be sure.
  5. What loan to value is required for the property? Loan to value (LTV) is the amount put down to secure the note. For example a $1,000,000 loan that has an LTV of 20% would mean the amount needed to put down to secure the note is $200,000.
  6. What type of mortgage would you suggest? What plan would you suggest for the situation? Sometimes out of the ordinary loans can create the best plan for second home buyers.
  7. Do you offer discounts for inspections, auto-payment set up or setting up specific accounts?
  8. How long will the loan approval process take? Most lenders can approve a loan in less than a week. If the lender answers significantly longer ask why?
  9. How long will it take to close the loan? Most lenders can close within 45 days. If the lender asks significantly longer ask why?
  10. Do you have any pre-penalties for paying the loan off early? There should be no penalties for paying off the loan early.

BONUS question: If you are considering condominiums as part of your purchase ask if the lender provides condo-tel loans? This is when there is an onsite staff member that assists in booking vacation rentals. While there are not many condo-hotel properties on Anna Maria Island you may find the perfect condominium that your lender of choice cannot support. If this is a concern seek more information from your real estate professional and they can let you know if this question should be posed to your potential lender.

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The Things that Locals Know!

World’s Strongest Man Competition (2020)

What was supposed to take place in Bradenton during May, is now being held in Lakewood Ranch during November of 2020. If you were on Anna Maria Island last year, then you may have been staying when the Island was hosting the World’s Strongest Man competition. The Island was graced with contestants (including Hafþór Júlíus Björnsson, who played “The Giant” on the hit show Game of Thrones) and spectators for the event that took place in Bradenton and at the Manatee County Public Beach.

Competition setup on the beach. Photo from The Islander

Now our local area will be hosting the World’s Strongest Man competition once again, though it will be much different than previous years. Unfortunately, due to the pandemic spectators this year are prohibited. Though this may be disappointing news, this does not mean you shouldn’t come and visit the area/Anna Maria Island. Check out some vacation rentals, and enjoy the competition broadcast from the comfort of your rental.

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The Things that Locals Know!

Suncoast Cuisine – Private Chef

Looking for a delicious, professionally made meal, but want to stay in the comfort of your own home or an Anna Maria Island vacation rental? Well you are in luck! Chef Melissa with Suncoast Cuisine is just who you want to get in contact with.

Suncoast Cuisine brings the restaurant to you with Chef Melissa’s amazing, up-scale style dining. Don’t worry about shopping, or preparing the ingredients, Suncoast Cusine will shop and prepare the food for you. All you need to provide is a kitchen for the chef to work her magic in. 

Suncoast Cusine menus are customizable, so even the pickiest eater will be pleased. This is perfect for a causal group dinner while on vacation, or a special occasion! This is a fantastic alternative to going out to a restaurant, which can be hectic during busy season. 

Suncoast Cuisine can be contacted by phone or email
(727) 286-1352
mdedloff@gmail.com

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The Things that Locals Know!

Anna Maria Island Vehicle and Airport Transportation

There are lots of choices for auto transportation on Anna Maria Island.  Sure you can pick up a Lyft or an Uber but using someone local that knows the area is half the fun!  The drivers listed below are local and they know Anna Maria Island.  Wouldn’t you rather spend your time traveling from the Sarasota or Tampa International Airport learning all the great things your driver can suggest you do on your visit to Anna Maria Island?

We have had some incredible feedback on the drivers below and imagine for 35-75 minutes having the time of a local to tell you about all fun things to do, places to eat, and out of the way local hot spots!

Don’t forget, professional transportation can help as well for that night out the town if traveling to Sarasota or Tampa as well.

Coastal Elite Limousine

Coastal Elite Limousine offers a fleet of Luxury Town and Country Minivans as well as Ford Expedition SUV’s.  The driver is local, born and raised on Anna Maria Island. Be sure to ask his favorite places to go eat, best activities, you name it! Airport service to Tampa International Airport starts at $100 and service to Sarasota airport is $55.  These estimated do include gratuity!  For more details on rates, schedules, be sure to call (941) 348-4971.  Coastal can help with any Anna Maria Island Transportation needs.Anna Maria Island Transportation

Anna Maria Island Airport Transportation

Alan and Andrea Shields of Anna Maria Island Transportation have a host of vehicles at the ready for all your local transportation needs. They currently have a Lincoln Town Car and several Sport Utility Trucks available.  Anna Maria Island Transportation has been finalist for three years in a row for the Anna Maria Island Chamber small business of the year award.  An enormous honor to just be a finalist and certainly a strong sign the are respected in the Community for their Anna Maria Island Transportation business.  For more details on rates, schedules and information call (941) 527-5602.

Please Note: This information has been gathered as a convenience.  We cannot guarantee the rates.  Please call individual vendor for details.

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The Things that Locals Know!

Anna Maria Island and area golf courses

If Golf is your game then Anna Maria Island provides a relaxing central location to a great deal of local Golf Courses.  Anna Maria Island does have one private 9 hole executive golf course for members only however in the Summer they do allow short discounted memberships for the avid golfer.  Golf in the morning and go to the beach and visit with family in the afternoon.  What could be better?  There are Key Royale Vacation Rentals that surround the golf course or just a walk away.  Let our sponsored real estate professionals help find your golfing paradise or if a shorter stay is in order then review the vacation rentals available very near the Key Royale Club.

There are options on the mainland.  North West Bradenton has several courses, Bradenton, Lakewood Ranch and Sarasota are all great options as well.  See our list below of golf courses worth visiting.

Anna Maria Island Golf

Buffalo Creek Golf Course
This is a public golf course
8100 Erie Road
Palmetto, Florida, 34221
(941) 776-2611

IMG Academies Golf and Country Club
This is a private golf course
4350 El Conquistador Parkway
Bradenton, FL, 34221
(941) 758-1466

Imperial Lakewoods Golf Course
This is a Semi-Private Golf Course
9680 Buffalo Road
Palmetto, Fl, 34221
(941) 747-9432

The links at Greenfield Plantation
This is a public golf course
10325 Greenfield Plantation Blvd
Bradenton, Fl, 34202
(941) 747-9432

Manatee County Golf Course
This is a public golf course and closest to Anna Maria Island
6415 53rd Avenue West
Bradenton, FL, 34210
(941) 792-3288

Pinebrook/Ironwood Golf Club
Executive Golf Course
4260 Ironwood Circle
Bradenton, Fl, 34209
(941) 792-3288

The River Club
This is a Semi-Private Golf Course
6600 River Club Blvd
Bradenton, Fl, 34202
(941) 751-4211

River Run Golf Links
This is a public golf course
1801 27th Street
East Bradenton, Fl, 34208
(941) 708-6331

River Strand Golf Club
This is a Semi-Private Golf Course
7155 Grand Estuary Trail
Bradenton, Fl, 34212
(941) 708-3617

Stoneybrook at Heritage Harbour
This is a public golf course
7900 Stone Harbour Loop
Bradenton, Fl, 34202
(941) 746-2696

Terra Ceia Bay Country Club
Executive Golf Course
2802 Terra Ceia Bay Blvd
Palmetto, Fl, 34221
(941) 729-7663

University Park Country Club
This is a Semi-Private Golf Course
7671 The Park Blvd
University Park, Fl, 34201
(941) 359-9999

Waterlefe Golf and River Club
This is a Semi-Private Golf Course
1022 Fish Hook Cove
Bradenton, FL, 34202
(941) 744-9771

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Top Ten Things to do

Anna Maria Island Top Seven Ice Cream Shops

This information page provides Anna Maria Island top ten ice cream shops.  Well summer is here once again!  Nothing is better than spending a day on the beach soaking up the warm Florida Sun, and swimming in the Gulf of Mexico. One of my favorite things to do after a day at the beach, and one of the best ways to cool down during the summer heat on Anna Maria Island is to grab an ice cream treat.  So I spent the day traveling the Island in search of the best ice cream and candy treats in the area.

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The Things that Locals Know!

Anna Maria Island Newspapers

Anna Maria Island has two local newspapers for the island. Both newspapers are located in Holmes Beach but provide news to the entire island.  Anna Maria Island is fortunate to have two local papers as well as one mainland newspaper that handles Bradenton, Florida newsworthy events.

Bradenton Local news coverage

The Bradenton Herald is by far the largest newspaper as it primarily focuses on Bradenton which is the mainland just to the East of the island.  Anna Maria Island is covered within the newspaper however normally a small portion of the news since Bradenton is a much larger city than the island.

Anna Maria Island local newspapers

We have two newspapers on Anna Maria Island.  The Anna Maria Island Sun covers Anna Maria Island and is located in Holmes Beach.  They have been providing local news for decades.  The second Anna Maria island local newspaper called the  Islander covers Anna Maria Island newsworthy events.  Believe it or not, the Islander has been around even longer than the Anna Maria Island Sun.  Both newspapers are sure to attend large events and especially attend our three city local governmental meetings and a great resource for city government happenings.  After all there are three cities on the island!

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Top Ten Things to do

Anna Maria Island Top Ten Restaurants

Looking for tasty food while you’re on the Anna Maria Island? Well you’re in luck we have composed list of Anna Maria Island restaurants from fine dining, to beachfront restaurants, pizza, and where to get the best burger on the island. We have plenty of tasty restaurants to choose from on AMI but the ten restaurants below are a MUST VISIT!

1) Beach Bistro in Holmes Beach – Enjoy fine dining on the Gulf of Mexico with an excellent wine selection and amazing entrée’s.

6600 Gulf Drive
Holmes Beach, FL, 34217
(941) 778-6444

2) Island Ocean Star in The City of Anna Maria – A unique dining experience on Anna Maria Island with award winning Sushi and a Hibachi Grill.

902 South Bay
Anna Maria, FL, 34216
(941) 251-6940

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The Things that Locals Know!

Traveling Gourmet – Personal Chef Molly O’Connor

Life can get pretty hectic at times. And when life gets a bit crazy, cooking is the last thing anyone wants to do. So if you’re on Anna Maria Island and are looking to eat some absolutely PHENOMENAL food without having to do all the work, you need to get in touch with the Traveling Gourmet! This personal chef business by the talented Chef Molly O’Connor will have you wanting her to move in and cook every meal for the rest of your life.

Traveling Gourmet

This business offers chef services for all kinds of occasions like; Baby showers, BBQ’s, Cocktail Parties, Weddings, and more! O’Connor will design a menu around your taste (and budget), and then do all the difficult stuff. AKA the grocery shopping and cooking.

Traveling Gourmet also does Meal Services. Currently as of November 2019, Meal Services being offered include a Weekly Paleo Meal Service, and of course a Thanksgiving Meal Service. Both of which can be found and ordered through her website.

If you’re vacationing on Anna Maria Island, make the process of settling in a bit easier and have Molly get all of your provisions for you before your arrival. She can even have a great meal ready and waiting for you to enjoy when you arrive!

Now that’s service!!

 

Check out even more local businesses that will make your vacation stress free, like CabanUp!, and Consider It Done.

 

 

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The Things that Locals Know!

CabanUp – Making Your Beach Day Stress Free

Everyone enjoys the beach, but no one enjoys dragging around umbrellas and beach chairs. It’s just an inconvenience that makes you worn out before you even get your toes in the sand. Luckily the new company, CabanUp, provides a hassle-free day at the beach!

CabanUp

This family run business will deliver and set up 10’x10’ tents, chairs, towels, and much more! You can even add on optional beach necessities like bluetooth speakers, boogie boards, cornhole, fans, and even WiFi. CabanUp provides everything to make your time on the sugar sand beaches of Anna Maria Island a blast!

Not only do they deliver and set up everything, they even take it all down for you too! So when you’ve had enough of the beach, just leave. It’s that easy!
On most days, the set up will be completed by 10AM, and will be labeled with your name. Then all you have to do is walk up and enjoy!

So next time you’re here make the most out of your experience, and contact CabanUp!

3216 East Bay Dr, Holmes Beach, 34217
941-243-3871
Open everyday of the week from 9AM – 4:30PM

 

Looking to make you’re time on AMI even easier? Check out Consider It Done, a professional errand and personal assistance service for locals and visitors!