Steeve Cadeau
$735,9994 bd3 ba1,921 sqft$383 /sqft$5,130 /mo all-in ↓

632 VIRGINIA DRIVE, BRADENTON, FL, 34205

Active26 days on marketListed Jun 25, 2026MLS #A4698202

WaterfrontSingle Family ResidenceBAY VIEW PARK

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

Waterfront

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Gas Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionOther · Wood Frame
FoundationBlock
FacesSouth
ExteriorSidewalk

Community & fees

Taxes (2025)$8,675/yr

Utilities & systems

UtilitiesOther · Public
WaterPublic

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%

Principal & interest$3,971
PMI (est., until 20% equity)$276
Property tax — 2025 actual bill$723
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $73,600Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $73,600
Interest rate6.00%
Loan term

Estimated payment

$5,130/mo

Principal & interest$3,971
PMI (est., until 20% equity)$276
Property taxes (actual bill)$723
Est. insurance$160

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

109
97
88
42
27 · this home
37
$123–183$183–242$242–302$302–361$361–421$421+

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

Map of 632 VIRGINIA DRIVE inside its neighborhood boundary

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

ElementaryBallard Elementary School★★★★
HighManatee High School★★★★★
MiddleW. D. Sugg Middle 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)

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

Jun 25, 2026Listed at $735,999 · 26 days on market since
2020Built · BAY VIEW PARK

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.

1718 6TH AVENUE WSold · Dec ’25

$610,000

1718 6TH AVENUE W · same community

4 bd · 3 ba · 2,446 sqft · $249/sqft · 70 DOM

7614 ADDISON AVENUESold · Aug ’25

$600,310

7614 ADDISON AVENUE

3 bd · 2 ba · 1,935 sqft · $310/sqft · 10 DOM

2708 27TH AVENUE DRIVE WSold · 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 632 VIRGINIA DRIVE — start here.

Andrew Acosta

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.

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.

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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