10315 CORTEZ ROAD W UNIT 28-1, BRADENTON, FL, 34210
Active162 days on marketListed Feb 24, 2026MLS #A4683719
About this home
10315 CORTEZ ROAD W UNIT 28-1
Welcome to Paradise Bay Estates! Seller is offering a fantastic incentive — Owner will pay the first year of maintenance fees with a full-price offer closing by April 30. This charming 1BR/1BA home is located in a highly desirable 55+ waterfront community just 2 miles from Anna Maria Island and the Gulf beaches. Move-in ready and being sold furnished, this home was refreshed following the 2024 hurricanes and features a new split-system A/C installed in December 2024. The spacious primary bedroom is currently arranged with twin beds that can easily convert to a king if preferred. A one-car carport offers convenient rear access from 103rd Street, and two storage sheds provide ample space for beach gear, bikes, and tools. The attached shed includes washer and dryer hookups for added convenience. Paradise Bay Estates is known for its vibrant, active lifestyle featuring a heated pool and hot tub, pickleball courts, potlucks, musical performances, golf outings, community lunches, and the beloved “Music by the Bay” events. The park’s prime Sarasota Bay frontage offers charming waterfront gazebos, abundant Florida wildlife, and breathtaking sunsets over Longboat Key and Anna Maria Island. Affordable coastal living in an amenity-rich community — come enjoy the Paradise Bay lifestyle!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
670
Sqft
0.04 ac
Lot size
1960
Year built
One
Levels
$209
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 and the real association fee — not generic estimates.
$1,303 /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
$1,303/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.
$/sqft vs PARADISE BAY ESTATES CO-OP
$209 vs $270
Days on market
162 vs 55 typical
Where $209/sqft sits among the 6 homes for sale in PARADISE BAY ESTATES CO-OP
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 Bradenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
BRADENTON 34210 — neighborhood snapshot
Population
17,301
Median age
56.3
Median income
$64,306
Median home value
$279,500
Avg household
2.09
Households w/ children
1,160
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
$395K → $421K
Bradenton median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
2 of 6
PARADISE BAY ESTATES CO-OP have cut their price
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the BRADENTON 34210 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 10315 CORTEZ ROAD W UNIT 28-1
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$74,500
10315 CORTEZ ROAD W UNIT 11B · same community
2 bd · 1 ba · 697 sqft · $107/sqft · 154 DOM
Sold · Mar ’26$100,000
10315 CORTEZ ROAD W UNIT 15G · same community
2 bd · 1 ba · 564 sqft · $177/sqft · 70 DOM
Sold · Aug ’25$30,000
10315 CORTEZ ROAD W UNIT 47-2 · same community
1 bd · 1 ba · 564 sqft · $53/sqft · 6 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 10315 CORTEZ ROAD W UNIT 28-1 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10315 CORTEZ ROAD W UNIT 28-1 — 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
10315 CORTEZ ROAD W UNIT 28-1 FAQs
What would the monthly payment be for 10315 CORTEZ ROAD W UNIT 28-1?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,303/mo — principal and interest, the actual property-tax bill, the $180/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 10315 CORTEZ ROAD W UNIT 28-1?+
The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10315 CORTEZ ROAD W UNIT 28-1?+
The most recent tax bill on record (2024) was $935. 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 10315 CORTEZ ROAD W UNIT 28-1?+
The listing reports pets: Cats OK. 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 $139,900, this home is listed about 64% below the Bradenton median of $389,850. The market section on this page shows how the area is trending.
Which schools are assigned to 10315 CORTEZ ROAD W UNIT 28-1?+
Sea Breeze Elementary School (elementary), W. D. Sugg Middle School (middle), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the BRADENTON 34210 market on paper
$139,900 is 30% below the BRADENTON 34210 median of $199,700, and at $209/sqft it sits under the Bradenton average of $263.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
162 days on market against a Bradenton median of 55 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of WAGNER REALTY · Sandra Greiner, PA. MLS #A4683719.
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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