10412 WINDING STREAM WAY, BRADENTON, FL, 34212
Active15 days on marketListed Jul 8, 2026MLS #A4699142
Come see it
Upcoming open house
Sun, Jul 26
1:00 PM – 4:00 PM
About this home
10412 WINDING STREAM WAY
People often ask me if you can find a home in East Manatee where you can keep your boat and enjoy a championship golf course. At Waterlefe Golf & River Club, you can have both. This beautifully maintained 3 bedroom, 3 bathroom home offers everything you've been looking for. Inside you'll find hardwood floors throughout, soaring ceilings, a skylight that fills the home with natural light, and an open floor plan designed for everyday living and entertaining. The owners combined two bedrooms to create a spacious guest bonus room or suite, providing exceptional comfort for family and visitors. The kitchen opens to the main living area, making it easy to stay connected while entertaining. Step outside to your private lanai featuring a sparkling pool and spa, a fully equipped summer kitchen that's perfect for grilling your fresh catch, and peaceful water views. The spacious 3 car garage offers plenty of room for vehicles, golf carts, and all your Florida toys. Just outside your back door, your private dock with a 12,000-pound boat lift provides easy access to the Manatee River and the Gulf of Mexico. Waterlefe is one of the few communities where you can golf in the morning, spend the afternoon on your boat, and meet friends and family at the clubhouse for dinner that evening. Community amenities include a Ted McAnlis designed championship golf course, marina, River Club restaurant and tiki bar, fitness center, junior Olympic pool, nature trails, and 24-hour guard-gated security. If you've been looking for the complete Florida lifestyle, you'll want to put this home at the top of your list. Be sure to view the 3D tour and schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,889
Sqft
0.27 ac
Lot size
3
Garage
2001
Year built
One
Levels
$433
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.
$8,569 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,569/mo
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.
vs edgeAI estimate
+74.4%
Days on market
15 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 Waterlefe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Waterlefe — neighborhood snapshot
Population
981
Median age
67
Median home value
$470,200
Avg household
2
Households w/ children
19%
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 208% above the BRADENTON 34212 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 10412 WINDING STREAM WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10412 WINDING STREAM WAY — 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
10412 WINDING STREAM WAY FAQs
What would the monthly payment be for 10412 WINDING STREAM WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,569/mo — principal and interest, the actual property-tax bill, the $345/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 10412 WINDING STREAM WAY?+
The association fee works out to $345 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10412 WINDING STREAM WAY?+
The most recent tax bill on record (2025) was $10,209. 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 10412 WINDING STREAM WAY?+
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 $1,250,000, this home is listed about 216% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 10412 WINDING STREAM WAY?+
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
01Positioned at the premium end
$1,250,000 runs 208% above the BRADENTON 34212 median — but at 2,889 sqft it's also nearly twice the size of 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.
03Strong 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.
Listing courtesy of COLDWELL BANKER REALTY · Joe Murphy. MLS #A4699142.
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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