10315 CORTEZ ROAD W UNIT 28-1, BRADENTON, FL, 34210
Active228 days on marketListed Feb 24, 2026MLS #A4683719
About this home
10315 CORTEZ ROAD W UNIT 28-1
Discover affordable coastal living in this charming, move-in-ready 1BR/1BA furnished home, ideally located in the highly desirable 55+ waterfront community of Paradise Bay Estates—just 2 miles from Anna Maria Island and the beautiful Gulf beaches. Refreshed following the 2024 hurricanes, the home also features a new split-system A/C installed in December 2024 for added peace of mind. The spacious primary bedroom is currently furnished with twin beds, offering the flexibility to easily convert to a king-size arrangement. A one-car carport provides convenient rear access from 103rd Street, while two storage sheds offer plenty of room for beach gear, bicycles, tools, and more. The attached shed is equipped with washer and dryer hookups, adding to the home's everyday convenience. Life at Paradise Bay Estates is about so much more than the home—it's about the lifestyle! This active waterfront community offers a heated pool and hot tub, pickleball courts, potlucks, community lunches, golf outings, musical performances, and the ever-popular “Music by the Bay” events. Enjoy the beauty of Sarasota Bay from the community's charming waterfront gazebos, where Florida wildlife and spectacular sunsets over Longboat Key and Anna Maria Island provide the perfect backdrop. Furnished, move-in ready, amenity-rich, and close to the Gulf beaches—come discover why life is better at Paradise Bay Estates!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
670
Sqft
0.04 ac
Lot size
1960
Year built
One
Levels
$194
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.
$1,240 /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
$1,240/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
−47.7%
$/sqft vs PARADISE BAY ESTATES CO-OP
$194 vs $337
Days on market
228 vs 75 typical
Where $194/sqft sits among the 10 homes for sale in PARADISE BAY ESTATES CO-OP
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
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)
2 of 10
PARADISE BAY ESTATES CO-OP have cut their price
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% 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 28-1
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$74,500
10315 CORTEZ ROAD W UNIT 11B · same community
2 bd · 1 ba · 697 sqft · $107/sqft · 154 DOM
Sold · Sep ’26$50,000
41 2ND STREET · same community
1 bd · 1 ba · 630 sqft · $79/sqft · 60 DOM
Sold · Mar ’26$100,000
10315 CORTEZ ROAD W UNIT 15G · same community
2 bd · 1 ba · 564 sqft · $177/sqft · 70 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10315 CORTEZ ROAD W UNIT 28-1 — 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 28-1 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10315 CORTEZ ROAD W UNIT 28-1 FAQs
What would the monthly payment be for 10315 CORTEZ ROAD W UNIT 28-1?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,240/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 28-1?+
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 28-1?+
The most recent tax bill on record (2024) was $935. 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 28-1?+
The listing reports pets: Cats 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 $129,900, this home is listed about 67% 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 28-1?+
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
Four things that matter here
01Under the BRADENTON 34210 market on paper
$129,900 is 38% below the BRADENTON 34210 median of $210,000, and at $194/sqft it sits under the Bradenton average of $271.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
228 days on market against a Bradenton median of 75 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $139,900, now $129,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WAGNER REALTY · Sandra Greiner, PA. MLS #A4683719.
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.
Never miss a listing
New Bradenton homes, in your inbox
Like 10315 CORTEZ ROAD W UNIT 28-1 but not quite? A daily digest of every new listing in Bradenton — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Donna to ping you on any price or status change →