2628 45TH AVENUE W, BRADENTON, FL, 34207
Active14 days on marketListed Jul 10, 2026MLS #A4699451
About this home
2628 45TH AVENUE W
Cheerful opportunity in the established McCollum's Lake neighborhood! This 3-bedroom, 1.5-bath home offers the perfect combination of major system updates and endless potential for your personal vision. Recent improvements include a new roof (2023), new A/C (2022), new breaker panel (2025), new front door (2024), and a tankless water heater—providing a solid foundation for future updates while helping reduce the cost of major capital improvements. Inside, the home is functional and ready for its next chapter, offering an excellent canvas for buyers looking to renovate, modernize, or create their dream space. Outside, you'll find multiple storage buildings with plenty of room for tools, hobbies, or equipment, along with a fenced yard that's ideal for pets, play, or gardening. The property is being sold AS IS, and much of the personal property currently on-site—including tools, lawn equipment, and other miscellaneous items—will convey with the sale. Conveniently located in Central West Bradenton near shopping, dining, parks, schools, medical facilities, and just a short drive to the beautiful Gulf beaches, this property presents an exceptional opportunity for homeowners, renovators, or investors alike. Bring your creativity and unlock the potential this property has to offer!
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
984
Sqft
0.1 ac
Lot size
1953
Year built
One
Levels
$254
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 — not generic estimates.
$1,793 /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
$1,793/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
+1.6%
$/sqft vs Bradenton actives
$254 vs $239
Days on market
14 vs 53 typical
Where $254/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 Bradenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
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 37% below the Bradenton median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 2628 45TH AVENUE W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$127,000
905 51ST AVENUE TERRACE W
3 bd · 2 ba · 1,000 sqft · $127/sqft · 78 DOM
Sold · Jan ’26$119,000
5507 FOUNTAIN LAKE CIRCLE UNIT B203
2 bd · 2 ba · 962 sqft · $124/sqft · 62 DOM
Sold · Apr ’26$139,000
5509 FOUNTAIN LAKE CIRCLE UNIT C209
2 bd · 2 ba · 962 sqft · $144/sqft · 307 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 2628 45TH AVENUE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2628 45TH AVENUE W — 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
2628 45TH AVENUE W FAQs
What would the monthly payment be for 2628 45TH AVENUE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,793/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 2628 45TH AVENUE W?+
The most recent tax bill on record (2025) was $610. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Bradenton?+
At $250,000, this home is listed about 37% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Shandra Holbrook. MLS #A4699451.
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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