David Ramirez
$420,000$475,0002 bd1 ba1,008 sqft$417 /sqft$2,952 /mo all-in ↓

522 37TH STREET W, BRADENTON, FL, 34205

Active179 days on marketListed Feb 6, 2026MLS #L4959225

Reduced $55KSingle Family ResidenceROSEDALE

About this home

522 37TH STREET W

Welcome home to this beautifully restored 1940s bungalow, where charm meets modern rustic comfort. From the moment you step inside, you’ll feel the warm, inviting atmosphere that makes this home truly special. Every detail has been thoughtfully updated, including new plumbing, electrical, insulation, water heater, windows, HVAC, roof, and interior finishes—no stone was left unturned in this renovation. The kitchen features solid wood cabinetry, granite countertops, and a gas range, making it a true chef’s delight. Step outside to your private backyard oasis, complete with a spa and outdoor cooking area—perfect for entertaining or simply enjoying the Florida lifestyle in your own peaceful retreat. Bring your boat or RV—there’s plenty of space with hookups available. Ideally located in the heart of Bradenton, this home is just minutes from shopping, dining, medical facilities, and the beach. This exceptional property is a must-see. Schedule your private showing today.

Facts & features

The home at a glance

2

Bedrooms

1

Bathrooms

1,008

Sqft

0.14 ac

Lot size

1947

Year built

One

Levels

$417

Per sqft

Inside

FlooringVinyl
AppliancesDishwasher · Disposal · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Stone Counters · Thermostat
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionHardiPlank Type · Wood Frame
FoundationCrawlspace
FacesEast
ParkingBoat · Driveway
ExteriorOutdoor Kitchen · Private Mailbox · Rain Gutters · RV Hookup

Community & fees

Taxes (2025)$1,606/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Phone Available · Public · Sewer Available · Sewer Connected · Street Lights · Water Available · 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.

$2,952 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,473
FHA mortgage insurance (est.)$186
Property tax — 2025 actual bill$134
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,700Loan30-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% · $14,700
Interest rate6.00%
Loan term

Estimated payment

$2,952/mo

Principal & interest$2,473
FHA mortgage insurance (est.)$186
Property taxes (actual bill)$134
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 $420K
$234KedgeAI estimate $258,322 · range $244K$294K$437K

vs edgeAI estimate

+62.6%

$/sqft vs ROSEDALE

$417 vs $288

Days on market

179 vs 55 typical

Where $417/sqft sits among the 6 homes for sale in ROSEDALE

4
0
0
0 · this home
0
2
$275–314$314–353$353–392$392–431$431–470$470+

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 Rosedale

Map of 522 37TH STREET W inside its neighborhood boundary

Drive times from this address

Downtown Tampa53 min
Tampa Int’l Airport (TPA)56 min

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

Get to know Bradenton. See the full Bradenton guide →

Rosedale — neighborhood snapshot

Population

340

Median age

43

Median income

$71,339

Median home value

$304,900

Avg household

2

Households w/ children

29%

For the school run

Manatee County School District

HighManatee High School★★★★★
ElementaryJessie P. Miller Elementary School★★★★★
MiddleW. D. Sugg Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bradenton market

Seller’s marketLeans seller4.1 months of inventoryBuyer’s market

$395K$420K

Bradenton median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

2 of 6

ROSEDALE have cut their price

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

This home is listed 138% above the BRADENTON 34205 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $420,000 $55K
Feb 6, 2026Listed at $475,000 · 179 days on market since
1947Built · ROSEDALE

Reality check

What actually sold near 522 37TH STREET W

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

3716 Morton Avenue, West Palm Beach FL 33405Sold · Feb ’26

$545,000

3716 Morton Avenue, West Palm Beach FL 33405 · same community

2 bd · 1 ba · 975 sqft · $559/sqft · 77 DOM

3606 9TH AVENUE WSold · Sep ’25

$187,500

3606 9TH AVENUE W · same community

2 bd · 1 ba · 908 sqft · $206/sqft · 85 DOM

9734 51ST TERR ESold · Sep ’25

$485,000

9734 51ST TERR E · same community

2 bd · 2 ba · 1,615 sqft · $300/sqft · 76 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 522 37TH STREET W — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 522 37TH STREET 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.

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Goes straight to David’s phone and CRM.

Straight answers

522 37TH STREET W FAQs

What would the monthly payment be for 522 37TH STREET W?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,952/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 522 37TH STREET W?+

The most recent tax bill on record (2025) was $1,606. 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 $420,000, this home is listed about 8% above the Bradenton median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 522 37TH STREET W?+

Manatee High School (high), Jessie P. Miller Elementary School (elementary), W. D. Sugg Middle School (middle) — 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

$420,000 runs 138% above the BRADENTON 34205 median.

02Time on market is leverage

179 days on market against a Bradenton median of 55 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $475,000, now $420,000 — a $55K cut. The full history is in the market section below.

Listing courtesy of BERRY REALTY & APPRAISAL SERVICES PA · Tina Ford. MLS #L4959225.

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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