David Ramirez
$1,999,900$2,100,0004 bd2 ba2,537 sqft$788 /sqft$12,969 /mo all-in ↓

10218 46TH AVENUE W, BRADENTON, FL, 34210

Active130 days on marketListed Mar 17, 2026MLS #A4686579

Reduced $100KWaterfrontSingle Family ResidenceBAY BEACH

About this home

10218 46TH AVENUE W

PRICE IMPROVEMENT!! Wide, open water views and exceptional outdoor living define this rare DEEP SAILBOAT waterfront opportunity. Set on more than 3/4 ACRE directly on Sarasota Bay, the property offers 106 feet of frontage with sweeping, unobstructed vistas that stretch across the water and capture the beauty of Florida’s Gulf Coast. Tucked along a peaceful residential waterway, the setting provides a sense of privacy while still offering direct boating access to both the bay and the Gulf of Mexico, making it ideal for those who enjoy life on the water. The 2,537-square-foot block home includes four bedrooms and two renovated bathrooms, with thoughtfully positioned living spaces that take full advantage of the surrounding views. Nearly every room enjoys a connection to the outdoors, creating a light-filled and inviting atmosphere throughout. Mostly rebuilt in the late 1990s, the home offers a solid foundation with generous interior proportions, making it well-suited for modern updates or a complete reimagining. The recently renovated kitchen features custom cabinetry, quartz surfaces and high-end appliances, blending contemporary finishes with everyday functionality. The living room has a sleek decorative electric fireplace with shimmering glass pieces that is seamlessly inset into the wall, creating a clean, modern focal point that enhances the living space. Outdoor living is a standout feature of the property, with balconies that overlook the water and provide ideal spaces for relaxing or entertaining. A rare rooftop terrace elevates the experience even further, delivering panoramic coastal views and unforgettable sunsets. The expansive lot offers ample room to enhance the existing residence or design a custom waterfront retreat tailored to your vision. Located in West Bradenton, the property combines a quiet neighborhood setting with close proximity to some of the area’s most desirable coastal destinations, including Anna Maria Island and Longboat Key. Whether enjoyed as it is or transformed into a custom designed waterfront estate, this property represents a unique opportunity to own a piece of Sarasota Bay with endless potential.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,537

Sqft

0.76 ac

Lot size

2

Garage

1951

Year built

Three Or More

Levels

$788

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringLaminate · Hardwood
AppliancesDishwasher · Disposal · Range · Range Hood · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ExteriorSliding Doors

Community & fees

Taxes (2025)$15,209/yr
PetsYes

Utilities & systems

UtilitiesPublic
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.

$12,969 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,791
PMI (est., until 20% equity)$750
Property tax — 2025 actual bill$1,267
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $199,990Loan30-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% · $199,990
Interest rate6.00%
Loan term

Estimated payment

$12,969/mo

Principal & interest$10,791
PMI (est., until 20% equity)$750
Property taxes (actual bill)$1,267
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.

List $2.0M
$629KedgeAI estimate $771,068 · range $655K$1.1M$2.1M

vs edgeAI estimate

+159.4%

$/sqft vs Bradenton actives

$788 vs $236

Days on market

130 vs 53 typical

Where $788/sqft sits among the 400 Bradenton actives

200
130
48
13
4
5 · this home
$122–233$233–344$344–455$455–566$566–677$677+

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

Map of 10218 46TH AVENUE W

Drive times from this address

Downtown Tampa63 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 →

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

ElementarySea Breeze Elementary School★★★★
MiddleW. D. Sugg Middle School★★★★★
HighBayshore 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 852% above the BRADENTON 34210 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,999,900 $100K
Mar 17, 2026Listed at $2,100,000 · 130 days on market since
1951Built · BAY BEACH

Reality check

What actually sold near 10218 46TH AVENUE W

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

4420 101ST STREET WSold · May ’26

$315,400

4420 101ST STREET W · same community

3 bd · 2 ba · 1,502 sqft · $210/sqft · 347 DOM

9220 43RD TERRACE WSold · Dec ’25

$640,000

9220 43RD TERRACE W

3 bd · 2 ba · 2,538 sqft · $252/sqft · 171 DOM

12313 BAYPOINTE TERRACESold · Jun ’26

$1,150,000

12313 BAYPOINTE TERRACE

3 bd · 3 ba · 2,535 sqft · $454/sqft · 133 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 10218 46TH 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 10218 46TH 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

10218 46TH AVENUE W FAQs

What would the monthly payment be for 10218 46TH AVENUE W?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,969/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 10218 46TH AVENUE W?+

The most recent tax bill on record (2025) was $15,209. 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 10218 46TH 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 $1,999,900, this home is listed about 405% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 10218 46TH AVENUE 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

$1,999,900 runs 852% above the BRADENTON 34210 median — but at 2,537 sqft it's also 60% 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.

03Time on market is leverage

130 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 $2,100,000, now $1,999,900 — a $100K cut. The full history is in the market section below.

Listing courtesy of ALLEGIANT REAL ESTATE GROUP · Lori Campbell. MLS #A4686579.

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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