David Ramirez
$285,0003 bd2.5 ba1,200 sqft$238 /sqft$2,231 /mo all-in ↓

3603 45TH TERRACE W UNIT 101, BRADENTON, FL, 34210

Active21 days on marketListed Jul 3, 2026MLS #TB8524812

Priced 28% below the Bradenton medianTownhouseLAKESIDE VILLAGE TOWNHOME

About this home

3603 45TH TERRACE W UNIT 101

Experience refined living in this stunning corner-unit townhouse, located within the peaceful, gated community of Lakeside Village in the heart of Bradenton. The property features a thoughtfully designed floor plan that flows seamlessly, including a convenient first-floor laundry area. Three nice size bedrooms and two and one half bathrooms within this beautiful residence. Nice dining and living areas are perfect for entertaining, while the home’s premier corner positioning offers breathtaking, unobstructed views of the lake and lush natural surroundings. Built in 2008 with solid block construction, the home prioritizes comfort and safety with superior sound insulation, fire sprinklers, and hurricane-resistant windows. Gorgeous Luxury Vinyl flooring. Lakeside Village provides ample guest parking and puts you minutes away from fine dining, premium shopping, and the world-renowned IMG Academy. You will also enjoy being just a short drive from the pristine sands of Anna Maria Island. This remarkable home is a rare find and will not last long

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,200

Sqft

19.26 ac

Lot size

2008

Year built

Two

Levels

$238

Per sqft

Water viewNegotiable

Inside

FlooringLuxury Vinyl · Porcelain Tile · Tile
AppliancesCooktop · Dishwasher · Disposal · Dryer · Ice Maker · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationBlock · Slab
ViewWater
FacesWest
ParkingAssigned
ExteriorIrrigation System · Sidewalk

Community & fees

Taxes (2025)$3,210/yr
PetsCats OK, Dogs OK
CommunityLake · Buyer Approval Required · Clubhouse · Community Mailbox · Gated Community - No Guard · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Street Lights · Water Connected
WaterCanal/Lake For Irrigation

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,231 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,678
FHA mortgage insurance (est.)$126
Property tax — 2025 actual bill$268
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,975Loan30-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% · $9,975
Interest rate6.00%
Loan term

Estimated payment

$2,231/mo

Principal & interest$1,678
FHA mortgage insurance (est.)$126
Property taxes (actual bill)$268
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 $285K
$195KedgeAI estimate $211,059 · range $203K$231K$296K

vs edgeAI estimate

+35%

$/sqft vs Bradenton actives

$238 vs $236

Days on market

21 vs 53 typical

Where $238/sqft sits among the 400 Bradenton actives

99
101
85 · this home
47
30
38
$122–179$179–236$236–293$293–350$350–406$406+

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

Map of 3603 45TH TERRACE W UNIT 101

Drive times from this address

Downtown Tampa57 min
Tampa Int’l Airport (TPA)60 min

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

Get to know Bradenton. See the full Bradenton guide →

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)

186 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 28% below the Bradenton median. See the full Bradenton market guide →

Paper trail

This home's history

Jul 3, 2026Listed at $285,000 · 21 days on market since
2008Built · LAKESIDE VILLAGE TOWNHOME

Reality check

What actually sold near 3603 45TH TERRACE W UNIT 101

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

3707 45TH TERRACE W UNIT 101Sold · Apr ’26

$230,000

3707 45TH TERRACE W UNIT 101 · same community

3 bd · 2.5 ba · 1,200 sqft · $192/sqft · 94 DOM

3609 45TH TERRACE W UNIT 102Sold · Aug ’25

$206,000

3609 45TH TERRACE W UNIT 102 · same community

3 bd · 2.5 ba · 1,200 sqft · $172/sqft · 329 DOM

3715 45TH TERRACE W UNIT 108Sold · Mar ’26

$225,000

3715 45TH TERRACE W UNIT 108 · same community

3 bd · 2.5 ba · 1,200 sqft · $188/sqft · 399 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 3603 45TH TERRACE W UNIT 101 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3603 45TH TERRACE W UNIT 101 — 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

3603 45TH TERRACE W UNIT 101 FAQs

What would the monthly payment be for 3603 45TH TERRACE W UNIT 101?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,231/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 3603 45TH TERRACE W UNIT 101?+

The most recent tax bill on record (2025) was $3,210. 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 3603 45TH TERRACE W UNIT 101?+

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 $285,000, this home is listed about 28% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Listing courtesy of FINE PROPERTIES · Adriana Ortega De Quagliato. MLS #TB8524812.

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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