David Ramirez
$450,0003 bd2.5 ba1,747 sqft$258 /sqft$3,792 /mo all-in ↓

11981 SKY ACRES TERRACE, BRADENTON, FL, 34211

Active172 days on marketListed Feb 2, 2026MLS #A4680968

WaterfrontTownhouseHARMONY AT LAKEWOOD RANCH PH II-C 1-4

About this home

11981 SKY ACRES TERRACE

This stunning house to call HOME is located at 11981 Sky Acres Terrace, Bradenton, FL 34211, nestled in Lakewood Ranch, which is tucked into a quiet, family-friendly neighborhood and offers a perfect blend of comfort, style, and everyday convenience, with supermarkets, convenience stores, your favorite restaurants, great schools, gyms, coffee shops, and additional recreational options all just moments away. Thoughtfully designed for cozy yet spacious living, the home features 3 inviting bedrooms, 2½ bathrooms, a 2-car garage, and a warm, welcoming layout that instantly feels like home, including a bright great room and a dedicated dining area ideal for gatherings and relaxed evenings. Step outside to a charming lanai, perfect for soaking in the warm Florida sunshine, enjoying peaceful mornings, or unwinding after a long day. The kitchen is a true showpiece, offering tons of space with elegant 42" upper cabinets, gleaming quartz countertops, and a generously sized peninsula that serves as both a stunning focal point and a perfect spot for casual dining, entertaining, or morning coffee, all while including every essential kitchen appliance for effortless living. Residents also enjoy access to a beautifully maintained community featuring a pool, fitness center, and playground, while Downtown Lakewood Ranch is just 10 minutes away, delivering endless family fun, diverse restaurants, live music, art and fashion events, relaxing spas, and lively food festivals, making this home a comfortable, cozy retreat perfectly positioned in the heart of it all. Tucked away on a peaceful cul-de-sac, this home enjoys the added luxury of privacy and safety and a quiet, close-knit atmosphere that enhances everyday living. Enjoy your perfect Florida family lifestyle with this home! A MUST SEE PROPERTY YOU WILL FALL IN LOVE WITH!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,747

Sqft

0.11 ac

Lot size

2

Garage

2023

Year built

Two

Levels

$258

Per sqft

WaterfrontPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · In Wall Pest System · Open Floorplan · Pest Guard System · PrimaryBedroom Upstairs · Thermostat · Walk-In Closet(s)
LaundryLaundry Room · Upper Level
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesNortheast
ExteriorHurricane Shutters · Irrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$313/mo
Taxes (2025)$5,652/yr
PetsYes
CommunityDeed Restrictions · Fitness Center · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Public · Sewer Connected · Street Lights · Underground Utilities · 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.

$3,792 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$471
HOA fee — from the listing$313
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$3,792/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$471
HOA / condo fee$313
Est. insurance$160

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.

List $450K
$354KedgeAI estimate $376,908 · range $369K$393K$468K

vs edgeAI estimate

+19.4%

$/sqft vs Bradenton actives

$258 vs $238

Days on market

172 vs 53 typical

Where $258/sqft sits among the 400 Bradenton actives

99
100
86 · this home
45
32
38
$124–181$181–238$238–294$294–351$351–408$408+

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 Harmony At Lakewood Ranch

Map of 11981 SKY ACRES TERRACE inside its neighborhood boundary

Drive times from this address

Downtown Tampa55 min
Tampa Int’l Airport (TPA)66 min

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

Get to know Bradenton. See the full Bradenton guide →

Harmony At Lakewood Ranch — neighborhood snapshot

Population

1,634

Median age

44

Median income

$77,376

Median home value

$490,500

Avg household

2

Households w/ children

149

For the school run

Manatee County School District

ElementaryB.D. Gullett Elementary School★★★★
MiddleDr Mona Jain Middle School★★★★
HighLakewood Ranch 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)

185 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 11% above the BRADENTON 34211 median. See the full Bradenton market guide →

Paper trail

This home's history

Feb 2, 2026Listed at $450,000 · 172 days on market since
2023Built · HARMONY AT LAKEWOOD RANCH PH II-C 1-4

Reality check

What actually sold near 11981 SKY ACRES TERRACE

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

5721 SILVERBRIDGE TRAILSold · Jun ’26

$355,000

5721 SILVERBRIDGE TRAIL · same community

3 bd · 3 ba · 1,728 sqft · $205/sqft · 20 DOM

11936 SKY ACRES TERRACESold · Apr ’26

$300,000

11936 SKY ACRES TERRACE · same community

3 bd · 2.5 ba · 1,614 sqft · $186/sqft · 83 DOM

11912 SKY ACRES TERRACESold · Nov ’25

$310,000

11912 SKY ACRES TERRACE · same community

3 bd · 2.5 ba · 1,614 sqft · $192/sqft · 16 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 11981 SKY ACRES TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11981 SKY ACRES TERRACE — 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

11981 SKY ACRES TERRACE FAQs

What would the monthly payment be for 11981 SKY ACRES TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,792/mo — principal and interest, the actual property-tax bill, the $313/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 11981 SKY ACRES TERRACE?+

The association fee works out to $313 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 11981 SKY ACRES TERRACE?+

The most recent tax bill on record (2025) was $5,652. 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 11981 SKY ACRES TERRACE?+

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 $450,000, this home is listed about 14% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 11981 SKY ACRES TERRACE?+

B.D. Gullett Elementary School (elementary), Dr Mona Jain Middle School (middle), Lakewood Ranch High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$450,000 runs 11% above the BRADENTON 34211 median.

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

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

04Strong assigned schools

B.D. Gullett Elementary School, Dr Mona Jain Middle School, Lakewood Ranch High School — B.D. Gullett Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Aline De Araujo. MLS #A4680968.

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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