109 21ST STREET NE, BRADENTON, FL, 34208
Active248 days on marketListed Nov 27, 2025MLS #A4673500
About this home
109 21ST STREET NE
Discover your new oasis at 109 21st St NE, a beautifully updated 4-bedroom, 2-bathroom home ideally situated with direct access to the Manatee River. This inviting property features a 50-foot dock, perfect for boating enthusiasts! Key Features: Spacious Living: Enjoy an open layout that provides ample space for relaxation and entertainment. Updated Kitchen: The modern kitchen boasts stylish finishes, updated appliances, and plenty of storage, making it a delight for home cooks. Four Comfortable Bedrooms: Generously sized bedrooms provide comfort and flexibility for family, guests, or a home office. Outdoor Access: Step outside to your private dock, perfect for fishing, kayaking, or simply enjoying the serene canal views and offers direct access to the Manatee River. Convenient Amenities: Includes a 1-car garage, a dedicated laundry room, and a storage room for all your needs. Prime Location: Close to local parks, shopping, dining, and just a short drive to beautiful Gulf Coast beaches. This home is perfect for families and outdoor lovers alike. Don't miss your chance to live in this fantastic property! No HOA. Lawn service included. Available May 1, 2026
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,200
Sqft
0.26 ac
Lot size
1
Garage
1956
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$179 /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
$179/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $249
Days on market
248 vs 53 typical
Where $2/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 Ayres Point
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Ayres Point — neighborhood snapshot
Population
2,684
Median age
27
Median income
$48,756
Median home value
$231,791
Avg household
3
Households w/ children
383
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)
200 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 99% below the BRADENTON 34208 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 21ST STREET NE
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$212,000
102 21ST STREET NE · same community
2 bd · 1 ba · 1,176 sqft · $180/sqft · 169 DOM
Sold · Mar ’26$375,000
95 N Birch Road # 601, Fort Lauderdale FL 33304 · same community
1 bd · 1 ba · 795 sqft · $472/sqft · 253 DOM
Sold · Aug ’25$380,000
95 N Birch Rd # 401, Fort Lauderdale FL 33304 · same community
1 bd · 1 ba · 795 sqft · $478/sqft · 10 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 109 21ST STREET NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 21ST STREET NE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
109 21ST STREET NE FAQs
What would the monthly payment be for 109 21ST STREET NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $179/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 109 21ST STREET NE?+
The listing reports pets: Yes. 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 $2,600, this home is listed about 99% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 109 21ST STREET NE?+
Manatee Elementary School (elementary), Manatee High School (high), Martha B. King Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the BRADENTON 34208 market on paper
$2,600 is 99% below the BRADENTON 34208 median of $349,450, and at $2/sqft it sits under the Bradenton average of $264.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
248 days on market against a Bradenton median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,800, now $2,600 — a $200 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NORTH MANATEE REALTY I LLC · Melissa Porter. MLS #A4673500.
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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