David Ramirez
$489,000$499,000$3,807 /mo all-in ↓

2520 RIVERSIDE DRIVE E, BRADENTON, FL, 34208

Active158 days on marketListed Feb 13, 2026MLS #A4682356

Reduced $10KWaterfrontRIVER HAVEN

About this home

2520 RIVERSIDE DRIVE E

Infill lot located in the City of Bradenton with full Manatee River views and access. Deeded dock located across the street from the subject parcel. The lot is ~ 10106 sq ft with +/- 96' of frontage. Dock is AS IS with no warranties.

Facts & features

The home at a glance

0.23 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater
FacesNorth

Community & fees

Taxes (2024)$6,630/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Sewer Available · Water Available
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.

$3,807 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,879
FHA mortgage insurance (est.)$216
Property tax — 2024 actual bill$552
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,115Loan30-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% · $17,115
Interest rate6.00%
Loan term

Estimated payment

$3,807/mo

Principal & interest$2,879
FHA mortgage insurance (est.)$216
Property taxes (actual bill)$552
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.

Where it sits

Inside Ayres Point

Map of 2520 RIVERSIDE DRIVE E inside its neighborhood boundary

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

ElementaryManatee Elementary School★★★★★
HighManatee High School★★★★★
MiddleMartha B. King 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)

Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 36% above the BRADENTON 34208 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $489,000 $10K
Feb 13, 2026Listed at $499,000 · 158 days on market since

Reality check

What actually sold near 2520 RIVERSIDE DRIVE E

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

4101 N HOLLY STREETSold · Dec ’25

$392,500

4101 N HOLLY STREET · same community

2 bd · 2 ba · 1,021 sqft · $384/sqft · 37 DOM

4108 N BOULEVARDSold · Dec ’25

$297,888

4108 N BOULEVARD · same community

2 bd · 1 ba · 1,176 sqft · $253/sqft · 38 DOM

4206 N MYRTLE AVENUESold · Apr ’26

$410,000

4206 N MYRTLE AVENUE · same community

3 bd · 2 ba · 1,191 sqft · $344/sqft · 169 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 2520 RIVERSIDE DRIVE E — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2520 RIVERSIDE DRIVE E — 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

2520 RIVERSIDE DRIVE E FAQs

What would the monthly payment be for 2520 RIVERSIDE DRIVE E?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,807/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 2520 RIVERSIDE DRIVE E?+

The most recent tax bill on record (2024) was $6,630. 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 $489,000, this home is listed about 24% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 2520 RIVERSIDE DRIVE E?+

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

01Positioned at the premium end

$489,000 runs 36% above the BRADENTON 34208 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

158 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 $499,000, now $489,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of WAGNER REALTY · Ryan Hoffman. MLS #A4682356.

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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