
10315 CORTEZ ROAD W UNIT 2-4, BRADENTON, FL, 34210
Active339 days on marketListed Nov 5, 2025MLS #A4670972
About this home
10315 CORTEZ ROAD W UNIT 2-4
Build your dream Florida retreat in the highly desirable Paradise Bay Estates, an active 55+ waterfront co-op community overlooking the beautiful waters of Sarasota Bay. This exceptional vacant-lot opportunity offers the rare chance to create a home designed around the relaxed, coastal lifestyle that makes this community so special. IMPORTANT: LOT 4-2 AND ADJOINING LOT 4-4 MUST BE SOLD TOGETHER. THE SELLERS WILL NOT SEPARATE THE LOTS. The combined parcels provide an expanded homesite and offer an excellent opportunity for a buyer looking to create a customized residence in a waterfront community. Buyers are encouraged to explore the possibilities with their builder or mobile/manufactured home provider. Imagine starting your day with the gentle coastal breeze and ending it watching spectacular sunsets across Sarasota Bay. Paradise Bay Estates offers a unique combination of waterfront living, an active social atmosphere, recreational amenities, and convenient proximity to some of Florida's most beautiful Gulf beaches. Located just approximately 2 miles from Anna Maria Island, residents can easily walk, bike, drive, or travel by boat to the island's beautiful beaches, charming shops, restaurants, and laid-back coastal attractions. Whether your idea of the perfect day involves a morning on the water, an afternoon at the beach, or an evening watching the sunset with friends, this location makes it easy to enjoy the best of Florida's Gulf Coast. Paradise Bay Estates is more than a place to live—it is a community designed for enjoying life. Residents can participate in an impressive variety of activities and social gatherings, including clubhouse events, live entertainment, potluck dinners, bingo, community lunches, Music by the Bay, pickleball, shuffleboard, golf outings, kayaking excursions, and waterside gatherings. Several waterfront gazebos provide wonderful spots to relax, visit with neighbors, watch wildlife, or simply take in the breathtaking sunsets over Sarasota Bay, Anna Maria Island, and Longboat Key. Boating enthusiasts will appreciate the community's boat ramp and waterfront dockage, with boat slips currently subject to a waiting list. The waterfront setting also provides easy access to kayaking, fishing, sightseeing, and the many recreational opportunities available along Sarasota Bay and the Gulf Coast. This is an exciting opportunity to secure two adjoining vacant lots in a sought-after 55+ waterfront community and create a Florida home tailored to your lifestyle. Whether envisioning a seasonal escape, permanent residence, or comfortable coastal retreat, these parcels offer tremendous potential in a location where every day can feel like a vacation. IMPORTANT BUYER INFORMATION: Lots 4-2 and 4-4 MUST be purchased together and will NOT be separated. Buyer is responsible for conducting all due diligence regarding zoning, building requirements, applicable building codes, community/park rules and regulations, site limitations, utilities, and any requirements for placement of a mobile or manufactured home. Agent can provide a rendering of a possible mobile/manufactured home design for the combined lots upon request. All information should be independently verified by the buyer with the appropriate governmental and community authorities.
Facts & features
The home at a glance
0.04 ac
Lot size
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.
$1,313 /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
$1,313/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.
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 →
BRADENTON 34210 — neighborhood snapshot
Population
17,301
Median age
56.3
Median income
$64,306
Median home value
$279,500
Avg household
2.09
Households w/ children
1,160
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
$395K → $420K
Bradenton median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the BRADENTON 34210 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 10315 CORTEZ ROAD W UNIT 2-4
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$63,888
10315 W 5TH STREET UNIT 46-5 · same community
2 bd · 1 ba · 0 sqft · 1 DOM
Sold · May ’26$56,000
10315 CORTEZ ROAD W UNIT 71-4 · same community
1 bd · 1 ba · 340 sqft · $165/sqft · 411 DOM
Sold · Aug ’26$55,000
10315 CORTEZ ROAD W UNIT 62-4 · same community
1 bd · 1 ba · 363 sqft · $152/sqft · 4 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 10315 CORTEZ ROAD W UNIT 2-4 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10315 CORTEZ ROAD W UNIT 2-4 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10315 CORTEZ ROAD W UNIT 2-4 FAQs
What would the monthly payment be for 10315 CORTEZ ROAD W UNIT 2-4?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,313/mo — principal and interest, the actual property-tax bill, the $180/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 10315 CORTEZ ROAD W UNIT 2-4?+
The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10315 CORTEZ ROAD W UNIT 2-4?+
The most recent tax bill on record (2024) was $703. 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 10315 CORTEZ ROAD W UNIT 2-4?+
The listing reports pets: Cats OK, 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 $144,500, this home is listed about 63% below the Bradenton median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10315 CORTEZ ROAD W UNIT 2-4?+
Electa Lee Magnet Middle School (middle), Bayshore Elementary School (elementary), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the BRADENTON 34210 market on paper
$144,500 is 31% below the BRADENTON 34210 median of $210,000.
02Time on market is leverage
339 days on market against a Bradenton median of 75 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $150,000, now $144,500 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WAGNER REALTY · Sandra Greiner, PA. MLS #A4670972.
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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