David Ramirez
$984,000$1,150,0003 bd3 ba2,376 sqft$414 /sqft$7,442 /mo all-in ↓

9923 MANATEE AVENUE W, BRADENTON, FL, 34209

Active195 days on marketListed Jan 11, 2026MLS #A4677749

Reduced $166KWaterfrontTownhousePALMS AT PALMA SOLA

About this home

9923 MANATEE AVENUE W

Waterfront Living with a New Price!! Embrace the Spectacular and Wide Open Views of Palma Sola Bay and the Intracoastal! This is a Townhouse that lives like a House. This Home is a spacious 3/3 that includes more square footage than what is listed in the square feet living area. It has a Beautiful Chefs Kitchen that was remodeled with Wood Cabinets to the Ceiling and Stone Undercounter Lighted Countertops. The Home also features Marble and Wood Floors, a Master Bathroom with a Large Shower plus a Jacuzzi Tub, and your own Elevator! The Second and Third Floors have Balcony's to sit out on and watch the Manatees, Dolphins, and Birds play, and the Beautiful Sunsets! There is also a Bonus Room on the First Floor that would make a Great Office, Game Room etc. along with a Great Storage/Utility area. When you walk out the sliding glass doors on the back of the First Floor, you are Steps to the Pool Gate. Even though it is a Community Pool it feels Private, with only 10 Residents!! This Home also features a Deeded Composite Boat Dock with Electric for the Boaters Dream! You are right next to the Causeway where there is Horseback Riding available, Jet Ski Rentals available etc. You are minutes from Anna Maria Island Beaches and MANY Good Restaurants, Shopping, Downtown Bradenton and the Riverwalk. If the Island Lifestyle is what you Desire, do not miss this one!!! Call for your appointment today.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,376

Sqft

0.03 ac

Lot size

2

Garage

2006

Year built

Three Or More

Levels

$414

Per sqft

WaterfrontWater viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile · Marble · Hardwood
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dryer · Kitchen Reverse Osmosis System · Microwave · Range Hood · Refrigerator · Washer · Water Purifier
InteriorCrown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Washer Hookup
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Heat Pump
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingGarage Door Opener · Guest · Tandem
ExteriorBalcony · Sliding Doors

Community & fees

HOA fee$987/mo
Taxes (2024)$7,401/yr
PetsYes
CommunityBuyer Approval Required · Deed Restrictions · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Public · 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.

$7,442 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,310
PMI (est., until 20% equity)$369
Property tax — 2024 actual bill$617
HOA fee — from the listing$987
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $98,400Loan30-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% · $98,400
Interest rate6.00%
Loan term

Estimated payment

$7,442/mo

Principal & interest$5,310
PMI (est., until 20% equity)$369
Property taxes (actual bill)$617
HOA / condo fee$987
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

$414 vs $236

Days on market

195 vs 53 typical

Where $414/sqft sits among the 400 Bradenton actives

100
101
84
46
30
39 · this home
$122–179$179–236$236–293$293–350$350–407$407+

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 Flamingo Cay

Map of 9923 MANATEE AVENUE W inside its neighborhood boundary

Drive times from this address

Downtown Tampa59 min
Tampa Int’l Airport (TPA)62 min

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

Get to know Bradenton. See the full Bradenton guide →

Flamingo Cay — neighborhood snapshot

Population

262

Median age

70

Median income

$86,042

Median home value

$527,300

Avg household

2

Households w/ children

7%

For the school run

Manatee County School District

MiddleMartha B. King Middle School★★★★★
ElementaryIda M. Stewart Elementary School★★★★★
HighManatee High 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)

186 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 279% above the BRADENTON 34209 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $984,000 $166K
Jan 11, 2026Listed at $1,150,000 · 195 days on market since
2006Built · PALMS AT PALMA SOLA

Reality check

What actually sold near 9923 MANATEE AVENUE W

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

1102 PALMA SOLA BOULEVARDSold · Jul ’25

$1,250,000

1102 PALMA SOLA BOULEVARD

4 bd · 3 ba · 2,399 sqft · $521/sqft · 0 DOM

7810 SENRAB DRIVESold · Jan ’26

$1,075,000

7810 SENRAB DRIVE

3 bd · 2.5 ba · 2,320 sqft · $463/sqft · 4 DOM

1103 PALMA SOLA BOULEVARDSold · Sep ’25

$560,000

1103 PALMA SOLA BOULEVARD

4 bd · 3 ba · 2,318 sqft · $242/sqft · 152 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 9923 MANATEE AVENUE W — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 9923 MANATEE AVENUE W — 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.

Goes straight to David’s phone and CRM.

Straight answers

9923 MANATEE AVENUE W FAQs

What would the monthly payment be for 9923 MANATEE AVENUE W?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,442/mo — principal and interest, the actual property-tax bill, the $987/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 9923 MANATEE AVENUE W?+

The association fee works out to $987 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 9923 MANATEE AVENUE W?+

The most recent tax bill on record (2024) was $7,401. 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 9923 MANATEE AVENUE W?+

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 $984,000, this home is listed about 149% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 9923 MANATEE AVENUE W?+

Martha B. King Middle School (middle), Ida M. Stewart Elementary School (elementary), Manatee High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$984,000 runs 279% above the BRADENTON 34209 median — but at 2,376 sqft it's also 50% larger than the typical Bradenton listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Know the monthly fee

The association fee is $987/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

195 days on market against a Bradenton median of 53 — sellers in this position are usually ready to negotiate.

05Strong assigned schools

Martha B. King Middle School, Ida M. Stewart Elementary School, Manatee High School — Ida M. Stewart Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of CENTURY 21 ROSEBAY · Michelle Jones. MLS #A4677749.

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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