3511 45TH TER W UNIT 108, BRADENTON, FL, 34210
Active125 days on marketListed Mar 22, 2026MLS #A4687094
About this home
3511 45TH TER W UNIT 108
PRICE IMPROVEMENT – Great Value! Welcome to this beautifully maintained townhome in a desirable gated community, offering serene lake views from most windows throughout the home. This pristine residence has been lovingly cared for and is truly move-in ready. The main level features a spacious and inviting layout with a bright living area, dining room, well-appointed kitchen, and a convenient half bath—perfect for both everyday living and entertaining. Upstairs, you’ll find three comfortable bedrooms and two full bathrooms, providing privacy and functionality for family or guests. Major updates already completed for peace of mind, including a new A/C system and ductwork (2024) and stylish luxury vinyl plank (LVP) flooring installed in 2022. Enjoy peaceful water views, abundant natural light, and the security of gated living in a home that combines comfort, charm, and low-maintenance convenience. Low HOA/condo fees further enhance the value, making this an especially attractive opportunity. Flexible rental options make this property even more appealing, allowing 1-month rentals up to 4 times a year with no waiting period after ownership—ideal for generating income when not in use. Do you have an IMG student needing close access to the school but don't want to pay IMG prices? This is perfect for a student or as a starter home, seasonal retreat, or vacation getaway, this property offers the best of Florida living whether you're here full-time or just visiting. Anna Maria Beaches are less than 10 miles from the property as well as restaurants and SRQ airport. Come see it today.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,200
Sqft
0 ac
Lot size
2007
Year built
Two
Levels
$187
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.
$1,840 /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
$1,840/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
−0.2%
$/sqft vs Bradenton actives
$187 vs $236
Days on market
125 vs 53 typical
Where $187/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 Bradenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
The numbers that matter
The Bradenton market
$410K → $424K
Bradenton median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
193 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 43% below the Bradenton median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 3511 45TH TER W UNIT 108
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$230,000
3707 45TH TERRACE W UNIT 101 · same community
3 bd · 2.5 ba · 1,200 sqft · $192/sqft · 94 DOM
Sold · Aug ’25$206,000
3609 45TH TERRACE W UNIT 102 · same community
3 bd · 2.5 ba · 1,200 sqft · $172/sqft · 329 DOM
Sold · Mar ’26$225,000
3715 45TH TERRACE W UNIT 108 · same community
3 bd · 2.5 ba · 1,200 sqft · $188/sqft · 399 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 3511 45TH TER W UNIT 108 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3511 45TH TER W UNIT 108 — 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
3511 45TH TER W UNIT 108 FAQs
What would the monthly payment be for 3511 45TH TER W UNIT 108?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,840/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 3511 45TH TER W UNIT 108?+
The most recent tax bill on record (2025) was $3,081. 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 3511 45TH TER W UNIT 108?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $224,900, this home is listed about 43% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Bradenton market on paper
$224,900 is 43% below the Bradenton median of $395,740, and at $187/sqft it sits under the Bradenton average of $264.
02Time on market is leverage
125 days on market against a Bradenton median of 53 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $240,000, now $224,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Carri Schoeller. MLS #A4687094.
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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