David Ramirez
$245,0002 bd2 ba1,236 sqft$198 /sqft$1,979 /mo all-in ↓

5528 37TH STREET E UNIT 5528, BRADENTON, FL, 34203

Active45 days on marketListed Jun 9, 2026MLS #A4696483

VillaGARDEN LAKES COURTYARD

About this home

5528 37TH STREET E UNIT 5528

Welcome to easy, maintenance-free living in the highly desirable 55+ community of Garden Lakes Courtyard! This charming villa offers the perfect blend of comfort, convenience, and an active Florida lifestyle. Step inside to discover a bright and spacious open-concept living and dining area featuring soaring vaulted ceilings that create an airy, expansive feel. The well-appointed kitchen boasts abundant counter space, a skylight that fills the room with natural light, and lovely views of the private covered and screened courtyard—an ideal space for morning coffee, entertaining guests, or simply relaxing outdoors year-round. The home features two generously sized bedrooms, two full bathrooms, and a covered two-car carport. Major updates provide peace of mind, including a recently replaced roof, newer HVAC system, and a washer and dryer that are only a few years old. Garden Lakes Community Association offers an exceptional array of amenities and activities designed for an active and social lifestyle. Residents enjoy a vibrant calendar of events including bingo, card games, potlucks, and community gatherings, along with access to a heated community pool, tennis courts, pickleball courts, shuffleboard, fitness center, and scenic walking paths. The association fee includes exterior maintenance and roof replacement, allowing you to spend more time enjoying everything the community has to offer. Conveniently located just minutes from University Town Center (UTC), shopping, dining, entertainment, healthcare facilities, and the Gulf Coast's world-famous white sand beaches, this villa presents an incredible opportunity to enjoy the very best of Florida living. Schedule your private showing today and discover why Garden Lakes is one of the area's most sought-after active adult communities!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,236

Sqft

0 ac

Lot size

1987

Year built

One

Levels

$198

Per sqft

55+ community

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Skylight(s) · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryIn Kitchen
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingCovered
ExteriorHurricane Shutters · Sliding Doors

Community & fees

Taxes (2025)$3,223/yr
PetsNumber Limit, Size Limit
CommunityAssociation Recreation - Owned · Buyer Approval Required · Deed Restrictions · Fitness Center · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
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.

$1,979 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,442
FHA mortgage insurance (est.)$108
Property tax — 2025 actual bill$269
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,575Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,575
Interest rate6.00%
Loan term

Estimated payment

$1,979/mo

Principal & interest$1,442
FHA mortgage insurance (est.)$108
Property taxes (actual bill)$269
Est. insurance$160

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.

List $245K
$227KedgeAI estimate $242,296 · range $236K$257K$267K

vs edgeAI estimate

+1.1%

$/sqft vs Bradenton actives

$198 vs $236

Days on market

45 vs 53 typical

Where $198/sqft sits among the 400 Bradenton actives

99
101 · this home
85
47
30
38
$122–179$179–236$236–293$293–350$350–406$406+

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 Garen Lakes

Map of 5528 37TH STREET E UNIT 5528 inside its neighborhood boundary

Drive times from this address

Downtown Tampa54 min
Tampa Int’l Airport (TPA)61 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Bradenton. See the full Bradenton guide →

Garen Lakes — neighborhood snapshot

Population

541

Median age

59

Median income

$83,313

Median home value

$365,200

Avg household

2

Households w/ children

43%

For the school run

Manatee County School District

HighBraden River High School★★★★★
ElementaryMarjorie G. Kinnan Elementary School★★★★★
MiddleBraden River Middle 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)

187 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 2% above the BRADENTON 34203 median. See the full Bradenton market guide →

Paper trail

This home's history

Jun 9, 2026Listed at $245,000 · 45 days on market since
1987Built · GARDEN LAKES COURTYARD

Reality check

What actually sold near 5528 37TH STREET E UNIT 5528

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

3567 65TH AVENUE CIRCLE ESold · Apr ’26

$395,000

3567 65TH AVENUE CIRCLE E

3 bd · 2 ba · 1,217 sqft · $325/sqft · 12 DOM

6511 PINE BREEZE RUNSold · Mar ’26

$315,000

6511 PINE BREEZE RUN

2 bd · 2 ba · 1,258 sqft · $250/sqft · 95 DOM

6456 AUTUMN WOODS WAYSold · Sep ’25

$377,450

6456 AUTUMN WOODS WAY

2 bd · 2 ba · 1,258 sqft · $300/sqft · 25 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 5528 37TH STREET E UNIT 5528 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5528 37TH STREET E UNIT 5528 — 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

5528 37TH STREET E UNIT 5528 FAQs

What would the monthly payment be for 5528 37TH STREET E UNIT 5528?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,979/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 5528 37TH STREET E UNIT 5528?+

The most recent tax bill on record (2025) was $3,223. 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 5528 37TH STREET E UNIT 5528?+

The listing reports pets: Number Limit, Size Limit. 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 $245,000, this home is listed about 38% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 5528 37TH STREET E UNIT 5528?+

Braden River High School (high), Marjorie G. Kinnan Elementary School (elementary), Braden River Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of RANCH REALTY · Kevin Bryceland. MLS #A4696483.

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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