
632 VIRGINIA DRIVE, BRADENTON, FL, 34205
Active26 days on marketListed Jun 25, 2026MLS #A4698202
About this home
632 VIRGINIA DRIVE
Welcome to 632 Virginia Drive, Bradenton, FL 34205—a rare waterfront opportunity on picturesque Wares Creek offering direct boating access to the Manatee River, Tampa Bay, and the Gulf of Mexico. Complete with a private dock, this exceptional property is perfect for boating enthusiasts, kayakers, paddleboarders, anglers, and anyone seeking the Florida waterfront lifestyle. Built in 2019, this beautifully designed 3-bedroom, 2-bath residence blends modern construction with timeless coastal charm. The open-concept floor plan features soaring ceilings, abundant natural light, and seamless living spaces that are ideal for both everyday living and entertaining. The spacious kitchen flows effortlessly into the dining and living areas, creating the perfect gathering space for family and friends. One of the property's most valuable features is the detached garage with a fully equipped accessory dwelling unit (ADU) above. This private apartment offers incredible flexibility as a guest suite, income-producing rental, in-law quarters, home office, creative studio, or multigenerational living space. With the increasing demand for homes featuring ADUs, this property presents outstanding investment potential. Step outside to enjoy peaceful waterfront views, launch your kayak from your private dock, or cruise by boat to waterfront restaurants and the open waters of the Gulf. Wares Creek is one of Bradenton's hidden gems, connecting directly to the Manatee River while providing a tranquil natural setting just minutes from downtown. Located just moments from Downtown Bradenton, the Bradenton Riverwalk, restaurants, breweries, art galleries, shopping, medical facilities, and only a short drive to Anna Maria Island, Holmes Beach, and the area's world-famous Gulf beaches, this home offers the perfect combination of waterfront serenity and urban convenience. Whether you're searching for a primary residence, second home, vacation retreat, multigenerational property, or investment opportunity with rental income potential, 632 Virginia Drive delivers a lifestyle that is becoming increasingly difficult to find. Property Highlights: Waterfront home on scenic Wares Creek Private dock with direct boating access to the Manatee River, Tampa Bay, and Gulf of Mexico Detached garage with private ADU apartment above 3 bedrooms | 2 bathrooms Built in 2019 Open-concept floor plan with abundant natural light Excellent opportunity for short-term or long-term rental income (subject to local regulations) Minutes to Downtown Bradenton, Riverwalk, hospitals, restaurants, shopping, and Gulf beaches No CDD fees and a highly desirable central Bradenton location This is Florida waterfront living at its finest—where every day begins with peaceful water views and ends with spectacular sunsets just minutes from everything the Gulf Coast has to offer.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,921
Sqft
0.13 ac
Lot size
2
Garage
2020
Year built
Multi/Split
Levels
$383
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.
$5,130 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,130/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Bradenton actives
$383 vs $239
Days on market
26 vs 53 typical
Where $383/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 Wares Creek
Get to know Bradenton. See the full Bradenton guide →
Wares Creek — neighborhood snapshot
Population
1,472
Median age
45
Median income
$55,764
Median home value
$263,268
Avg household
2
Households w/ children
160
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)
189 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 328% above the BRADENTON 34205 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 632 VIRGINIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$610,000
1718 6TH AVENUE W · same community
4 bd · 3 ba · 2,446 sqft · $249/sqft · 70 DOM
Sold · Aug ’25$600,310
7614 ADDISON AVENUE
3 bd · 2 ba · 1,935 sqft · $310/sqft · 10 DOM
Sold · Aug ’25$406,000
2708 27TH AVENUE DRIVE W
3 bd · 2 ba · 1,874 sqft · $217/sqft · 34 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 632 VIRGINIA DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 632 VIRGINIA DRIVE — 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
632 VIRGINIA DRIVE FAQs
What would the monthly payment be for 632 VIRGINIA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,130/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 632 VIRGINIA DRIVE?+
The most recent tax bill on record (2025) was $8,675. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Bradenton?+
At $735,999, this home is listed about 86% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 632 VIRGINIA DRIVE?+
Ballard Elementary School (elementary), Manatee High School (high), W. D. Sugg Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY - SARASOTA · Barry Grooms. MLS #A4698202.
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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