12109 WHISPER LAKE DRIVE, BRADENTON, FL, 34211
Active38 days on marketListed Jun 26, 2026MLS #A4697639
About this home
12109 WHISPER LAKE DRIVE
Former community model and professionally decorated White Sands II, this extremely well-kept 3-bedroom, 2-bath home offers a heated pool and a prime location close to the community amenities. Located in Lakewood Ranch-adjacent Eagle Trace with no CDD fees, this home combines model-home details with everyday convenience. Inside, the kitchen features 48-inch cabinets, stainless appliances, and a gas stove. The living room offers added character with wainscoting and a tray ceiling, while plantation shutters and custom window treatments elevate the home throughout. The primary bedroom features a shiplap accent wall, adding a designer touch to the space. Extended garage fits large SUVs and Trucks! Eagle Trace is a lawn maintenance included, gated community with a community pool and spa, tennis and pickleball courts, an outdoor grilling area, dog park, nearby nature trails, and access to top-rated Lakewood Ranch schools. Conveniently close to Costco, multiple grocery stores, big box gyms, restaurants, Target, Hobby Lobby, and additional shopping, with easy access to I-75. Anna Maria and Bradenton beaches are a short drive away, and SRQ International Airport and Tampa International Airport are the closest airport options.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,932
Sqft
0.16 ac
Lot size
2
Garage
2013
Year built
One
Levels
$285
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.
$4,497 /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
$4,497/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
−1.7%
$/sqft vs Bradenton actives
$285 vs $251
Days on market
38 vs 53 typical
Where $285/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 Eagle Trace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Eagle Trace — neighborhood snapshot
Population
920
Median age
41
Median income
$162,757
Median home value
$648,100
Avg household
3
Households w/ children
139
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)
197 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 34% above the BRADENTON 34211 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 12109 WHISPER LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$516,375
12140 WHISPER LAKE DRIVE · same community
3 bd · 2 ba · 1,932 sqft · $267/sqft · 105 DOM
Sold · Dec ’25$439,500
12225 WHISPER LAKE DRIVE · same community
3 bd · 2 ba · 1,932 sqft · $227/sqft · 248 DOM
Sold · May ’26$500,000
12229 WHISPER LAKE DRIVE · same community
3 bd · 2.5 ba · 2,222 sqft · $225/sqft · 77 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 12109 WHISPER LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12109 WHISPER LAKE 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
12109 WHISPER LAKE DRIVE FAQs
What would the monthly payment be for 12109 WHISPER LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,497/mo — principal and interest, the actual property-tax bill, the $323/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 12109 WHISPER LAKE DRIVE?+
The association fee works out to $323 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12109 WHISPER LAKE DRIVE?+
The most recent tax bill on record (2025) was $6,400. 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 12109 WHISPER LAKE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $550,000, this home is listed about 39% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 12109 WHISPER LAKE DRIVE?+
Dr Mona Jain Middle School (middle), B.D. Gullett Elementary School (elementary), Lakewood Ranch 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
$550,000 runs 34% above the BRADENTON 34211 median — but at 1,932 sqft it's also 22% larger than the typical Bradenton listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Dr Mona Jain Middle School, B.D. Gullett Elementary School, Lakewood Ranch High School — Dr Mona Jain Middle School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $575,000, now $550,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Alexis Zibolis. MLS #A4697639.
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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