David Ramirez
$659,9004 bd2.5 ba2,858 sqft$231 /sqft$5,088 /mo all-in ↓

13705 FLAT WOODS TERRACE, BRADENTON, FL, 34211

Active2 days on marketListed Jul 21, 2026MLS #A4700668

WaterfrontSingle Family ResidenceSAVANNA AT LAKEWOOD RANCH PH III 3ABD

About this home

13705 FLAT WOODS TERRACE

Experience the perfect blend of comfort, nature, and modern design in this beautifully maintained 4-bedroom plus private office home located in a sought-after resort-style pool community. A fresh opportunity to own a like-new condition home that's move in ready, it's the ideal canvas to create a space that reflects your own style and personality. Built by Meritage Homes with energy efficiency and quality craftsmanship in mind, this home showcases an impressive list of upgrades including a gas cooktop with outside venting, oversized kitchen island, upgraded appliances, dual wall ovens, quartz countertops, under-cabinet lighting, porcelain tile flooring, and beautifully custom bath surrounds. Whether preparing meals for family or entertaining guests, the open-concept kitchen and living areas create an inviting space designed for everyday living. Enjoy Florida at its finest with both indoor and outdoor dining overlooking a peaceful park-like backyard. Backing directly to a tranquil pond, the home offers picturesque water views and a front-row seat to Florida's natural beauty. Spend quiet mornings watching sandhill cranes stroll the shoreline, colorful green parrots pass overhead, largemouth bass break the water at sunset, or catch the occasional bald eagle and osprey fishing nearby. The desirable southern rear exposure keeps the covered lanai comfortably shaded through much of the day, making it the perfect setting to relax with a cup of coffee, enjoy dinner outdoors, read a favorite book, or entertain family and friends. The spacious primary suite serves as a private retreat featuring serene pond views, dual vanities, a large walk-in shower, and an oversized walk-in closet. Upstairs, the expansive bonus room provides exceptional flexibility as a media room, game room, playroom, second family room, fitness area, or additional gathering space to fit your lifestyle. Thoughtful features continue throughout the home with a whole-house dehumidification system for year-round comfort, energy-efficient insulation, durable tile roof construction, and fiber internet available for today's connected lifestyle. The attractive paver driveway, mature landscaping, and beautifully maintained common areas—cared for by the HOA—create outstanding curb appeal from the moment you arrive. Residents enjoy an exceptional amenity package featuring a resort-style swimming pool, clubhouse, fitness center, basketball court, dedicated dog park, scenic walking trails, numerous ponds and preserved natural spaces that create an open, peaceful atmosphere throughout the neighborhood. Community events and social activities throughout the year foster a welcoming environment where neighbors quickly become friends. Ideally located in the heart of Lakewood Ranch, you'll enjoy convenient access to shopping, dining, entertainment, medical facilities, and everyday conveniences. World-renowned Gulf Coast beaches—including Anna Maria Island, Siesta Key, Venice Beach, Manasota Key, and Clearwater Beach—are all within easy driving distance, offering endless opportunities to enjoy Florida's white sand beaches and spectacular sunsets. Move-in ready and now offered at a new price, this exceptional home combines quality construction, beautiful waterfront views, outstanding community amenities, and an unbeatable location into a lifestyle that's as relaxing as it is rewarding. Schedule your private showing today and discover everything this remarkable home has to offer.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,858

Sqft

0.2 ac

Lot size

2

Garage

2023

Year built

Two

Levels

$231

Per sqft

WaterfrontWater viewNegotiablePets allowed

Inside

FlooringCarpet · Porcelain Tile · Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Gas Water Heater · Microwave · Range Hood · Tankless Water Heater
InteriorAttic Ventilator · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryGas Dryer Hookup · Inside · Washer Hookup
CoolingCentral Air
HeatingCentral · Natural Gas
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionHardiPlank Type · Stucco
FoundationBlock · Slab
ViewWater
FacesSouth
ParkingCurb Parking · Driveway · Garage Door Opener
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$310/mo
Taxes (2025)$9,720/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Dog Park · Fitness Center · Gated Community - No Guard · Irrigation-Reclaimed Water · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Fiber Optics · Natural Gas Connected · Phone Available · Public · Sewer Connected · Sprinkler Recycled · Underground Utilities · Water Connected
WaterPublic

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.

$5,088 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,561
PMI (est., until 20% equity)$247
Property tax — 2025 actual bill$810
HOA fee — from the listing$310
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $65,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $65,990
Interest rate6.00%
Loan term

Estimated payment

$5,088/mo

Principal & interest$3,561
PMI (est., until 20% equity)$247
Property taxes (actual bill)$810
HOA / condo fee$310
Est. insurance$160

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.

List $660K
$542KedgeAI estimate $639,176 · range $564K$753K$784K

vs edgeAI estimate

+3.2%

Days on market

2 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 Savanna At Lakewood Ranch

Map of 13705 FLAT WOODS TERRACE inside its neighborhood boundary

Drive times from this address

Downtown Tampa53 min
Tampa Int’l Airport (TPA)64 min

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

Get to know Bradenton. See the full Bradenton guide →

Savanna At Lakewood Ranch — neighborhood snapshot

Population

1,409

Median age

41

Median income

$162,757

Median home value

$648,100

Avg household

3

Households w/ children

160

For the school run

Manatee County School District

MiddleDr Mona Jain Middle School★★★★
ElementaryB.D. Gullett Elementary School★★★★
HighLakewood Ranch High 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)

Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 63% above the BRADENTON 34211 median. See the full Bradenton market guide →

Paper trail

This home's history

Jul 21, 2026Listed at $659,900 · 2 days on market since
2023Built · SAVANNA AT LAKEWOOD RANCH PH III 3ABD

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 13705 FLAT WOODS TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13705 FLAT WOODS TERRACE — 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

13705 FLAT WOODS TERRACE FAQs

What would the monthly payment be for 13705 FLAT WOODS TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,088/mo — principal and interest, the actual property-tax bill, the $310/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 13705 FLAT WOODS TERRACE?+

The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 13705 FLAT WOODS TERRACE?+

The most recent tax bill on record (2025) was $9,720. 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 13705 FLAT WOODS TERRACE?+

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 $659,900, this home is listed about 67% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 13705 FLAT WOODS TERRACE?+

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

$659,900 runs 63% above the BRADENTON 34211 median — but at 2,858 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.

03Fresh on the market

Only 2 days on market in a Bradenton market that averages 53 — if it fits, move quickly.

04Strong 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.

Listing courtesy of PLACE WATER REAL ESTATE · Jared Anderson. MLS #A4700668.

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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