3810 JOYCE DRIVE, BRADENTON, FL, 34208
Active68 days on marketListed May 15, 2026MLS #A4693455
About this home
3810 JOYCE DRIVE
Wake up to tranquil water views in this completely remodeled (2024) 2-bedroom, 2-bath riverfront retreat offering rare seclusion with no backyard neighbors except for the dolphins. Every detail has been thoughtfully updated, including a new roof (2024), creating a move-in-ready coastal haven. The light-filled interior flows effortlessly to a glass-enclosed sunroom, the perfect place to relax and take in peaceful riverfront scenery year-round. This home delivers the ideal blend of comfort, privacy, and Florida lifestyle. Located in the highly desirable River Isles, a true hidden gem in the heart of Bradenton, residents enjoy a vibrant, active community with low HOA fees and an impressive array of amenities. Golf enthusiasts will love the private executive 9-hole course with optional membership ($620/year for unlimited play, plus $125/year for personal golf cart use). The scenic riverfront clubhouse offers a heated pool, fitness center, library, game room, shuffleboard courts, meeting spaces, and a full calendar of social activities. Cruise the neighborhood by golf cart and experience the welcoming, friendly atmosphere that makes this community so special. Unbeatable location—walk to shops, restaurants, and banks, with quick access to I-75. Just minutes to Bradenton Riverwalk, historic downtown, the Village of the Arts, UTC Mall, Ellenton Outlets, St. Armands Circle, and the world-renowned Gulf beaches with breathtaking sunsets. Live the Florida lifestyle—your riverfront paradise awaits.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,292
Sqft
0.19 ac
Lot size
2
Garage
1978
Year built
One
Levels
$344
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.
$3,534 /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
$3,534/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
+50.7%
Days on market
68 vs 53 typical
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 Braden River East
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Braden River East — neighborhood snapshot
Population
7,295
Median age
52
Median income
$86,737
Median home value
$379,666
Avg household
2
Households w/ children
686
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)
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the BRADENTON 34208 median. See the full Bradenton market guide →
Paper trail
This home's history
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 3810 JOYCE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3810 JOYCE DRIVE — 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
3810 JOYCE DRIVE FAQs
What would the monthly payment be for 3810 JOYCE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,534/mo — principal and interest, the actual property-tax bill, the $60/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 3810 JOYCE DRIVE?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3810 JOYCE DRIVE?+
The most recent tax bill on record (2025) was $5,965. 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 3810 JOYCE DRIVE?+
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 $445,000, this home is listed about 12% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 3810 JOYCE DRIVE?+
William H. Bashaw Elementary (elementary), Carlos E. Haile Middle School (middle), Braden River 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
01Positioned at the premium end
$445,000 runs 24% 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.
03The price has already moved
Listed at $450,000, now $445,000 — a $5K cut. The full history is in the market section below.
Listing courtesy of WAGNER REALTY · Lynda Melnick. MLS #A4693455.
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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