5538 SPANISH MOSS COVE, BRADENTON, FL, 34203
Active16 days on marketListed Jul 17, 2026MLS #TB8530227
About this home
5538 SPANISH MOSS COVE
Moss Creek is your own slice of paradise in a boutique, gated community with NO CDD fee, LOW HOA, and close to the best of Bradenton. This 3-bedroom 2 bath home has all the bells and whistles that you are looking for such as quartz counter tops, 42” cabinets and stainless-steel appliances. Truly one of the very best highlights of this community is its location, everyday conveniences are within easy reach, close to the area’s top-rated schools and just minutes from numerous shopping and dining options, like University Town Center and Ellenton Premium Outlets. Relax and spend the day at the community pool & cabana or have a picnic in our open green space. Conveniently located just 30 minutes from some of the best spots on the Gulf Coast like Anna Maria Island and Siesta Key. The luxury continues in the spacious owners suite that leads into a double sink restroom and large walk-n shower and closet, large kitchen island for entertaining guests and open floor plan.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,835
Sqft
0.12 ac
Lot size
2
Garage
2019
Year built
One
Levels
$229
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.
$3,513 /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
$3,513/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
−0.7%
$/sqft vs Bradenton actives
$229 vs $251
Days on market
16 vs 53 typical
Where $229/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 Moss Creek
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Moss Creek — neighborhood snapshot
Population
37
Median age
59
Median income
$83,313
Median home value
$365,200
Avg household
2
Households w/ children
3%
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)
195 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 75% above the BRADENTON 34203 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 5538 SPANISH MOSS COVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$390,000
3914 SUNSHINE PINE AVENUE · same community
3 bd · 2 ba · 1,635 sqft · $239/sqft · 66 DOM
Sold · Nov ’25$385,000
5408 PEACEFUL CREEK COVE · same community
3 bd · 2 ba · 1,492 sqft · $258/sqft · 15 DOM
Sold · Apr ’26$460,000
5428 PEACEFUL CREEK COVE · same community
4 bd · 2.5 ba · 2,356 sqft · $195/sqft · 20 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 5538 SPANISH MOSS COVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5538 SPANISH MOSS COVE — 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
5538 SPANISH MOSS COVE FAQs
What would the monthly payment be for 5538 SPANISH MOSS COVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,513/mo — principal and interest, the actual property-tax bill, the $149/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 5538 SPANISH MOSS COVE?+
The association fee works out to $149 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5538 SPANISH MOSS COVE?+
The most recent tax bill on record (2025) was $6,543. 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 5538 SPANISH MOSS COVE?+
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 $420,000, this home is listed about 6% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 5538 SPANISH MOSS COVE?+
Braden River High School (high), Tara Elementary School (elementary), Braden River Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Prima Palacio. MLS #TB8530227.
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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