204 3RD STREET W UNIT 405, BRADENTON, FL, 34205
Active193 days on marketListed Jan 12, 2026MLS #A4677984
About this home
204 3RD STREET W UNIT 405
Escape to waterfront living at River Yacht & Racquet Club for an amazing price! Located on the picturesque River Walk in the heart of downtown Bradenton, this pristine and updated furnished 2bd/2ba condo offers breathtaking water views from the top floor of this building! Spacious living room and dining area with sliders out to the patio offers panoramic views of the Manatee River and stunning sunsets. Wake up to gorgeous water views from your master suite and step out to your patio for your morning coffee. A/C and water heater replaced in 2024. Convenient access to downtown restaurants, shops and entertainment options. Nearby marinas for boat storage and easy access to River Walk festivals and music events. Easy access to world famous beaches on Anna Maria Island, downtown St. Petersburg and much more. Whether you are seeking a second home getaway, an investment opportunity, or year round waterfront living, this condo offers the blend of comfort and convenience. Gated community, small pets welcome and rentals are allowed. Indulge in the River Club amenities by the water which include pool, fitness center and recreation area. The building has an elevater, new roof, under building assigned parking and storage. Don't miss out on your chance to experience the BEST of downtown Bradenton living on the water at an amazing price!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,272
Sqft
0 ac
Lot size
1
Garage
1985
Year built
One
Levels
$216
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,279 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,279/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+1.6%
$/sqft vs Bradenton actives
$216 vs $236
Days on market
193 vs 53 typical
Where $216/sqft sits among the 400 Bradenton actives
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 Downtown Bradenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Downtown Bradenton — neighborhood snapshot
Population
1,923
Median age
47
Median income
$68,419
Median home value
$316,192
Avg household
2
Households w/ children
108
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bradenton market
$410K → $424K
Bradenton median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
186 of 400
Bradenton actives have cut their price
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% above the BRADENTON 34205 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 204 3RD STREET W UNIT 405
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$345,000
2210 14TH AVENUE W
2 bd · 2 ba · 1,271 sqft · $271/sqft · 25 DOM
Sold · Apr ’26$334,750
2017 17TH AVENUE W
3 bd · 2 ba · 1,264 sqft · $265/sqft · 253 DOM
Sold · Sep ’25$173,940
1109 17TH STREET W
3 bd · 2 ba · 1,247 sqft · $139/sqft · 16 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.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 204 3RD STREET W UNIT 405 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 204 3RD STREET W UNIT 405 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
204 3RD STREET W UNIT 405 FAQs
What would the monthly payment be for 204 3RD STREET W UNIT 405?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,279/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 204 3RD STREET W UNIT 405?+
The most recent tax bill on record (2025) was $4,538. 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 204 3RD STREET W UNIT 405?+
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 Bradenton?+
At $275,000, this home is listed about 31% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 204 3RD STREET W UNIT 405?+
Ballard Elementary School (elementary), Manatee High School (high), Martha B. King Middle School (middle) — 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
$275,000 runs 62% above the BRADENTON 34205 median.
02City & Park/Greenbelt & Pool & Water views
The city and park/greenbelt and pool and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
193 days on market against a Bradenton median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $330,000, now $275,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WAGNER REALTY · Gina Uliano. MLS #A4677984.
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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