4430 FERN DRIVE, BRADENTON, FL, 34208
Active3 days on marketListed Jul 31, 2026MLS #A4700016
About this home
4430 FERN DRIVE
Virtually staged. Welcome home to relaxed, low-maintenance living in the highly sought-after 55+ community of Fernwood! This inviting 2-bedroom, 2-bathroom home features an attached 2-car garage and key modern upgrades for maximum peace of mind, including impact windows and a new A/C installed in 2020. Inside, you will find a bright layout complemented by an upgraded kitchen, making daily living and entertaining a complete breeze. Enter into a spacious floor plan and immediately you are drawn to the pond view in the family room. What a wonderful place to have your morning coffee watching nature entertain you. Place your barbeque grille just outside the lanai, just off the family room, and be absorbed into relaxation mode. After all, that's the whole point of 55+ living. Outside of the garage there is also an electrical hookup for auxiliary power backup. Living in Fernwood offers effortless, worry-free living, with HOA fees conveniently covering lawn maintenance and irrigation so you can spend less time on yard work and more time enjoying your day. For those seeking an active social lifestyle, an optional River Isles affiliate membership is available for just $180 per quarter, granting access to a sparkling community pool, a lively clubhouse, and a fully equipped fitness center. For you golfers, the River Isles executive golf course is just blocks away. Membership is $663.40 per year or pay by the round. Whether you are looking to downsize, retire in comfort, or secure a low-maintenance Florida retreat with extra storage space, this beautifully updated property provides the ultimate combination of quality, security, and active living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,360
Sqft
0.13 ac
Lot size
2
Garage
1996
Year built
One
Levels
$249
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.
$2,468 /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
$2,468/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
+12.5%
$/sqft vs Bradenton actives
$249 vs $251
Days on market
3 vs 53 typical
Where $249/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 Braden River East
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Braden River East — neighborhood snapshot
Population
7,295
Median age
52
Median income
$86,737
Median home value
$379,666
Avg household
2
Households w/ children
686
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)
197 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 4% below the BRADENTON 34208 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 4430 FERN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$270,000
4532 FERN DRIVE · same community
2 bd · 2 ba · 1,200 sqft · $225/sqft · 7 DOM
Sold · Aug ’25$415,000
713 Highland Dr, West Palm Beach FL 33405 · same community
3 bd · 2 ba · 1,686 sqft · $246/sqft · 162 DOM
Sold · May ’26$419,000
701 Palmetto Street, West Palm Beach FL 33405 · same community
2 bd · 1 ba · 976 sqft · $429/sqft · 33 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 4430 FERN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4430 FERN 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
4430 FERN DRIVE FAQs
What would the monthly payment be for 4430 FERN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,468/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 4430 FERN DRIVE?+
The most recent tax bill on record (2025) was $2,027. 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 4430 FERN DRIVE?+
The listing reports pets: 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 $338,000, this home is listed about 15% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 4430 FERN DRIVE?+
William H. Bashaw Elementary (elementary), Carlos E. Haile Middle School (middle), Braden River High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WAGNER REALTY · Bruce Sheetz. MLS #A4700016.
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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