5107 86TH STREET COURT W, BRADENTON, FL, 34210
Active158 days on marketListed Mar 7, 2026MLS #A4685025
About this home
5107 86TH STREET COURT W
New Roof (2025) • No Flood Insurance • Heated Pool • Low-Maintenance Living Discover a rare blend of effortless living and Florida lifestyle in the highly sought-after Bay Lakes Estates of West Bradenton. This meticulously maintained 3-bedroom, 2-bath pool home stands out with a brand-new roof (2025) and the added advantage of being located outside of a required flood zone—offering both peace of mind and potential insurance savings. Inside, the home features fresh flooring, plantation shutters, upgraded lighting, and a bright, welcoming layout, while the kitchen is enhanced with brand-new appliances. Custom-built garage system added for organization and functionality. Designed for comfort and ease, every detail reflects pride of ownership and thoughtful care. Step outside to your private backyard retreat, complete with a heated saltwater pool—perfect for morning relaxation, evening swims, or entertaining guests year-round. With a low monthly HOA of just $194 that includes lawn and exterior maintenance, this property offers a truly low-maintenance, lock-and-leave lifestyle—ideal for full-time living, seasonal use, or a Florida getaway. Conveniently located near beaches, dining, and downtown Bradenton, this home delivers the perfect balance of lifestyle, efficiency, and ease—allowing you to enjoy Florida living without the burden of ongoing upkeep or major future expenses.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,490
Sqft
0.21 ac
Lot size
2
Garage
1995
Year built
One
Levels
$342
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.
$3,853 /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
$3,853/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.
vs edgeAI estimate
−31.3%
$/sqft vs Bradenton actives
$342 vs $245
Days on market
158 vs 55 typical
Where $342/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 Bay Lake Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Bay Lake Estates — neighborhood snapshot
Population
526
Median age
50
Median income
$80,903
Median home value
$398,200
Avg household
3
Households w/ children
33%
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 → $420K
Bradenton median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
227 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 162% above the BRADENTON 34210 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 5107 86TH STREET COURT W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$407,500
5108 86TH STREET COURT W · same community
2 bd · 2 ba · 1,463 sqft · $279/sqft · 37 DOM
Sold · Apr ’26$417,500
8711 51ST AVENUE W · same community
2 bd · 2 ba · 1,439 sqft · $290/sqft · 157 DOM
Sold · Apr ’26$460,000
5110 86TH STREET COURT W · same community
3 bd · 2 ba · 1,721 sqft · $267/sqft · 35 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 5107 86TH STREET COURT W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5107 86TH STREET COURT 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.
Straight answers
5107 86TH STREET COURT W FAQs
What would the monthly payment be for 5107 86TH STREET COURT W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,853/mo — principal and interest, the actual property-tax bill, the $194/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 5107 86TH STREET COURT W?+
The association fee works out to $194 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5107 86TH STREET COURT W?+
The most recent tax bill on record (2025) was $3,252. 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 5107 86TH STREET COURT 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 $509,995, this home is listed about 31% above the Bradenton median of $389,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5107 86TH STREET COURT W?+
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
Four things that matter here
01Positioned at the premium end
$509,995 runs 162% above the BRADENTON 34210 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
158 days on market against a Bradenton median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $519,000, now $509,995 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SATO REAL ESTATE INC. · James Wilson. MLS #A4685025.
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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