233 CAPE HARBOUR LOOP UNIT 103, BRADENTON, FL, 34212
Active98 days on marketListed Apr 16, 2026MLS #A4688963
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Upcoming open house
Fri, Jul 24
5:00 PM – 7:00 PM
About this home
233 CAPE HARBOUR LOOP UNIT 103
Step into this spacious and well-designed townhome featuring a separate dining area and an expansive living room, perfect for everyday living and entertaining. There is all new vinyl flooring in the dining and living rooms on the first floor. The kitchen offers ample cabinetry, generous counter space, and a pass-through breakfast bar for easy serving. Enjoy year-round relaxation on the screened lanai with additional storage. The first floor also includes a convenient half bath and under-stair storage. Upstairs, you’ll find two bedrooms, a versatile loft, and a laundry closet with stackable washer and dryer. The loft is ideal for a home office, media room, or flex space. The owner’s suite features dual closets, abundant natural light, and an en-suite bath with a shower/tub combo. The second bedroom offers great space, two closets, and plenty of light. Located in sought-after Heritage Harbour, enjoy resort-style amenities including a heated pool, walking trails, playgrounds, sports fields, disc golf, and more. Close to Tom Bennett Park, shopping, dining, and with easy access to I-75. HOA covers water, sewer, and trash—making this a low-maintenance and affordable option. Just minutes from shopping hubs featuring Target, Costco, and Chick-fil-A.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,429
Sqft
2006
Year built
Two
Levels
$139
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.
$2,164 /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
$2,164/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
−6.9%
$/sqft vs Bradenton actives
$139 vs $238
Days on market
98 vs 53 typical
Where $139/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 Heritage Harbour
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Heritage Harbour — neighborhood snapshot
Population
6,256
Median age
51
Median income
$103,298
Median home value
$400,220
Avg household
2
Households w/ children
451
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
$410K → $424K
Bradenton median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
184 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 50% below the BRADENTON 34212 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 233 CAPE HARBOUR LOOP UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$230,000
227 CAPE HARBOUR LOOP UNIT 103 · same community
2 bd · 2.5 ba · 1,429 sqft · $161/sqft · 90 DOM
Sold · Jun ’26$228,000
232 CAPE HARBOUR LOOP UNIT 106 · same community
2 bd · 2.5 ba · 1,429 sqft · $160/sqft · 28 DOM
Sold · May ’26$195,000
311 CAPE HARBOUR LOOP UNIT 103
2 bd · 2.5 ba · 1,429 sqft · $136/sqft · 39 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 233 CAPE HARBOUR LOOP UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 233 CAPE HARBOUR LOOP UNIT 103 — 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
233 CAPE HARBOUR LOOP UNIT 103 FAQs
What would the monthly payment be for 233 CAPE HARBOUR LOOP UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,164/mo — principal and interest, the actual property-tax bill, the $465/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 233 CAPE HARBOUR LOOP UNIT 103?+
The association fee works out to $465 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 233 CAPE HARBOUR LOOP UNIT 103?+
The most recent tax bill on record (2025) was $3,356. 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 233 CAPE HARBOUR LOOP UNIT 103?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $199,000, this home is listed about 50% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 233 CAPE HARBOUR LOOP UNIT 103?+
Freedom Elementary School (elementary), Carlos E. Haile Middle School (middle), Parrish Community 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 34212 market on paper
$199,000 is 50% below the BRADENTON 34212 median of $401,000, and at $139/sqft it sits under the Bradenton average of $264.
02Strong assigned schools
Freedom Elementary School, Carlos E. Haile Middle School, Parrish Community High School — Freedom Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $215,000, now $199,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Hylton Odendal. MLS #A4688963.
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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