CENTURY 21 Edge
$2,599,000$2,695,0005 bd2 ba3,122 sqft$832 /sqft≈$16,702 /mo all-in ↓

10432 SPOONBILL ROAD W, BRADENTON, FL, 34209

Active212 days on marketListed Mar 12, 2026MLS #A4685479

✦ Reduced $96KWaterfrontPrivate poolSingle Family ResidenceFLAMINGO CAY SECOND UNIT

About this home

10432 SPOONBILL ROAD W

The Jewel of Flamingo Cay. Experience over 3,000 square feet of refined waterfront living, perfectly positioned to capture breathtaking sunset views. This exceptional residence offers 4 bedrooms, 2 bathrooms, a private den/office, and a versatile bonus room, providing flexible space for both everyday living and entertaining. Designed for the boating enthusiast, this saltwater canal property offers direct access to open water with no fixed bridges, a 150-foot private seawall, and a 12,000-lb boat lift—allowing you to be on plane just moments after leaving your dock. The home has been tastefully updated with high-end finishes, including Italian Lube cabinetry, Miele appliances, Hunter Douglas window treatments, and premium countertops and flooring, creating a sophisticated yet comfortable coastal atmosphere. Multiple outdoor living spaces, including open and covered decks and a private balcony off the primary suite, overlook the heated pool and tranquil bayou, offering the perfect setting for relaxation or entertaining. The outdoor experience is enhanced with a fireplace, travertine patios, and lush tropical landscaping, all fully fenced for privacy. Nature lovers will appreciate the ability to kayak or paddleboard directly to the 600+ acre Robinson Preserve in minutes, while dolphins and manatees frequently visit the waters just beyond your backyard. Ideally located, Flamingo Cay offers quick access by boat or car to waterfront dining, marinas, and the world-renowned beaches of Anna Maria Island. Additional highlights include a 2021 roof and both AC systems, along with the rare benefit of over 3,000 square feet within one of the area’s most sought-after canal communities. Flamingo Cay features a voluntary HOA. This is a rare opportunity to own a spacious waterfront retreat in one of West Bradenton’s most desirable boating communities. Come experience the lifestyle that makes Flamingo Cay such a special place to call home.

Facts & features

The home at a glance

5

Bedrooms

2

Bathrooms

3,122

Sqft

0.22 ac

Lot size

2

Garage

1977

Year built

Two

Levels

$832

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringCarpet · Tile · Travertine
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Zoned
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Brick · Other · Wood Frame
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Irrigation System · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$18,521/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Fiber Optics · Public
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.

$16,702 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$14,024
PMI (est., until 20% equity)$975
Property tax — 2025 actual bill$1,543
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $259,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $259,900
Interest rate6.00%
Loan term

Estimated payment

$16,702/mo

Principal & interest$14,024
PMI (est., until 20% equity)$975
Property taxes (actual bill)$1,543
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 $2.6M
$998KedgeAI estimate $1,155,602 · range $1.0M–$1.3M$2.7M

vs edgeAI estimate

+124.9%

$/sqft vs Bradenton actives

$832 vs $243

Days on market

212 vs 75 typical

Where $832/sqft sits among the 400 Bradenton actives

196
139
44
10
5
6 · this home
$124–242$242–360$360–478$478–596$596–714$714+

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 Flamingo Cay

Drive times from this address

Downtown Tampa≈ 60 min
Tampa Int’l Airport (TPA)≈ 63 min

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

Get to know Bradenton. See the full Bradenton guide →

Flamingo Cay — neighborhood snapshot

Population

262

Median age

70

Median income

$86,042

Median home value

$527,300

Avg household

2

Households w/ children

7%

For the school run

Manatee County School District

MiddleMartha B. King Middle School★★★★★
ElementaryIda M. Stewart Elementary School★★★★★
HighManatee High School★★★★★

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

The numbers that matter

The Bradenton market

Seller’s marketLeans seller — 4.0 months of inventoryBuyer’s market

$395K → $420K

Bradenton median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

229 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 770% above the BRADENTON 34209 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,599,000 ▼ $96K
Mar 12, 2026Listed at $2,695,000 · 212 days on market since
1977Built · FLAMINGO CAY SECOND UNIT

Reality check

What actually sold near 10432 SPOONBILL ROAD W

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

10427 SPOONBILL ROAD WSold · Jan ’26

$735,000

10427 SPOONBILL ROAD W · same community

2 bd · 2 ba · 2,100 sqft · $350/sqft · 103 DOM

10419 SPOONBILL ROAD WSold · Dec ’25

$1,150,000

10419 SPOONBILL ROAD W · same community

3 bd · 3 ba · 1,969 sqft · $584/sqft · 104 DOM

9122 16TH AVENUE CIRCLE NWSold · Aug ’26

$725,000

9122 16TH AVENUE CIRCLE NW

4 bd · 3 ba · 3,140 sqft · $231/sqft · 286 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 10432 SPOONBILL ROAD 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 10432 SPOONBILL ROAD W — 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

10432 SPOONBILL ROAD W FAQs

What would the monthly payment be for 10432 SPOONBILL ROAD W?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,702/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 10432 SPOONBILL ROAD W?+

The most recent tax bill on record (2025) was $18,521. 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 10432 SPOONBILL ROAD W?+

The listing reports pets: 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 $2,599,000, this home is listed about 566% above the Bradenton median of $390,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10432 SPOONBILL ROAD W?+

Martha B. King Middle School (middle), Ida M. Stewart Elementary School (elementary), Manatee High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$2,599,000 runs 770% above the BRADENTON 34209 median — but at 3,122 sqft it's also nearly twice the size of the typical Bradenton listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

212 days on market against a Bradenton median of 75 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Martha B. King Middle School, Ida M. Stewart Elementary School, Manatee High School — Ida M. Stewart Elementary School rates 5 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $2,695,000, now $2,599,000 — a $96K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Chad Fonder. MLS #A4685479.

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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