Steeve Cadeau
$474,900$495,0003 bd2 ba1,694 sqft$280 /sqft$3,679 /mo all-in ↓

4809 TOBERMORY WAY, BRADENTON, FL, 34211

Active42 days on marketListed Jun 12, 2026MLS #A4696570

Reduced $20KSingle Family ResidenceROSEDALE ADD PH II

About this home

4809 TOBERMORY WAY

Virtually Staged. NEW PRICE! Move right in and enjoy maintenance-free living in the highly sought-after gated community of Rosedale Golf & Country Club, ideally located just minutes from Lakewood Ranch. This beautifully updated 3-bedroom, 2-bath home offers low HOA fees, NO CDD fees, an included social membership, and nearly 1,700 square feet of open-concept living in one of the area's most desirable established communities. Designed for today's lifestyle, the bright and open floor plan is perfect for everyday living and entertaining. The beautifully updated kitchen features quartz countertops, a large center island, 42-inch shaker cabinetry, designer backsplash, stainless steel appliances, and a gas range overlooking the spacious living and dining areas. Fresh coastal-inspired paint, updated lighting, luxury vinyl plank flooring in all bedrooms, and no carpet create a clean, modern feel throughout. The spacious primary suite has been freshly painted and features a tray ceiling, walk-in closet, and ensuite bath. Step outside to the covered lanai overlooking peaceful landscaping with a glimpse of the pond. Already pre-plumbed for an outdoor kitchen and pre-wired for a future pool and spa, this backyard is ready for you to create the private Florida retreat you've always imagined. Life in Rosedale is about so much more than the home itself. Enjoy lunch and drinks by the heated Junior Olympic pool, meet friends for dinner at the clubhouse restaurant and bar, stay active in the fitness center, play tennis, participate in year-round social activities, or take an evening golf cart ride through beautifully landscaped streets. Your included social membership gives you access to these outstanding amenities without the added cost of a golf membership. Additional features include a NEW HVAC system, tankless gas water heater, impact glass front window, hurricane screens, in-wall pest control system, irrigation system, and the washer and dryer are included. Your HOA includes lawn care, cable TV, high-speed internet, and a staffed gated entrance, making it easy to enjoy a low-maintenance lifestyle with more time to do what you love. Conveniently located just minutes from Lakewood Ranch, the new Rosedale connector road provides quick access to Costco, UTC, shopping, dining, top-rated medical facilities, Sarasota-Bradenton International Airport, and Florida's award-winning Gulf Coast beaches. If you've been searching for a move-in ready home with low HOA fees, NO CDD fees, exceptional amenities, and an active country club lifestyle, this is your opportunity to experience everything Rosedale has to offer. Schedule your private showing today.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,694

Sqft

0.21 ac

Lot size

2

Garage

2019

Year built

One

Levels

$280

Per sqft

Inside

FlooringTile · Vinyl
AppliancesCooktop · Dishwasher · Disposal · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · In Wall Pest System · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Tray Ceiling(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionStucco
FoundationSlab
FacesSouthwest
ExteriorHurricane Shutters · Irrigation System

Community & fees

HOA fee$133/mo
Taxes (2025)$4,563/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,679 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property tax — 2025 actual bill$380
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,622Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,622
Interest rate6.00%
Loan term

Estimated payment

$3,679/mo

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property taxes (actual bill)$380
HOA / condo fee$133
Est. insurance$160

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.

List $475K
$421KedgeAI estimate $519,959 · range $439K$836K$870K

vs edgeAI estimate

−8.7%

$/sqft vs ROSEDALE ADD PH II

$280 vs $375

Days on market

42 vs 53 typical

Where $280/sqft sits among the 8 homes for sale in ROSEDALE ADD PH II

1 · this home
1
2
0
3
1
$273–299$299–324$324–350$350–375$375–401$401+

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 Rosedale

Map of 4809 TOBERMORY WAY inside its neighborhood boundary

Drive times from this address

Downtown Tampa54 min
Tampa Int’l Airport (TPA)65 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Bradenton. See the full Bradenton guide →

Rosedale — neighborhood snapshot

Population

1,656

Median age

65

Median income

$143,300

Median home value

$556,100

Avg household

3

Households w/ children

93%

For the school run

Manatee County School District

HighLakewood Ranch High School★★★★
MiddleDr Mona Jain Middle School★★★★
ElementaryBraden River Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bradenton market

Seller’s marketBalanced5.4 months of inventoryBuyer’s market

$410K$424K

Bradenton median sold, yr/yr

95.7%

Sale-to-list ratio (12 mo)

5 of 8

ROSEDALE ADD PH II have cut their price

Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 17% above the BRADENTON 34211 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $474,900 $20K
Jun 12, 2026Listed at $495,000 · 42 days on market since
2019Built · ROSEDALE ADD PH II

Reality check

What actually sold near 4809 TOBERMORY WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10008 CARNOUSTIE PLACESold · Aug ’25

$460,000

10008 CARNOUSTIE PLACE · same community

3 bd · 2 ba · 1,672 sqft · $275/sqft · 119 DOM

4825 TOBERMORY WAYSold · Jan ’26

$675,000

4825 TOBERMORY WAY · same community

4 bd · 2 ba · 1,999 sqft · $338/sqft · 39 DOM

4524 BALTRY COURTSold · May ’26

$640,000

4524 BALTRY COURT · same community

4 bd · 2 ba · 1,999 sqft · $320/sqft · 6 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4809 TOBERMORY WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4809 TOBERMORY WAY — 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

4809 TOBERMORY WAY FAQs

What would the monthly payment be for 4809 TOBERMORY WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,679/mo — principal and interest, the actual property-tax bill, the $133/mo association fee 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.

How much are the HOA fees at 4809 TOBERMORY WAY?+

The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4809 TOBERMORY WAY?+

The most recent tax bill on record (2025) was $4,563. 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 4809 TOBERMORY WAY?+

The listing reports pets: Cats OK, Dogs OK. 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 $474,900, this home is listed about 20% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 4809 TOBERMORY WAY?+

Lakewood Ranch High School (high), Dr Mona Jain Middle School (middle), Braden River Elementary School (elementary) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$474,900 runs 17% above the BRADENTON 34211 median.

02Strong assigned schools

Lakewood Ranch High School, Dr Mona Jain Middle School, Braden River Elementary School — Lakewood Ranch High School rates 4 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $495,000, now $474,900 — a $20K cut. The full history is in the market section below.

Listing courtesy of EXP REALTY LLC · Jennifer Eastburn. MLS #A4696570.

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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