305 CAPE HARBOUR LOOP UNIT 104, BRADENTON, FL, 34212
Active31 days on marketListed Jun 24, 2026MLS #A4697955
About this home
305 CAPE HARBOUR LOOP UNIT 104
Welcome to easy living in The Townhomes at Heritage Harbour! This beautifully updated two-story townhome offers 2 bedrooms, 2.5 bathrooms, plus a versatile loft space upstairs, perfect for a home office, reading nook, play space, or additional living area. The heart of the home is the thoughtfully updated kitchen featuring warm butcher block countertops, a farmhouse sink, built-in bench seating with hidden storage, a spacious pantry, and an open layout that flows seamlessly into the main living area. Downstairs, you'll find generous living space, a convenient half bath, and an oversized interior storage room, ideal for keeping everything organized and tucked away. Step outside to enjoy the screened lanai surrounded by lush landscaping, complete with an additional exterior storage closet and hose spigot for added convenience. NEW ROOF 2024, SPLIT SYSTEM HVAC 2021. Enjoy the benefits of a low-maintenance lifestyle with LOW FEES while being located in the highly desirable Heritage Harbour community. Conveniently situated just minutes to I-75 for easy access north or south, shopping and dining including Costco, Target, and exciting growth in the surrounding area. Directly across the street, Heritage Park offers a scenic lake with walking trails, playgrounds, baseball and soccer fields, and plenty of outdoor recreation. Whether you're searching for a primary residence, seasonal getaway, or exploring investment potential (buyer to verify lease restrictions), this location offers flexibility and convenience. Schedule your private showing today and discover everything this charming townhome and fantastic location have to offer!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,429
Sqft
0 ac
Lot size
2006
Year built
Multi/Split
Levels
$164
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.
$2,237 /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
$2,237/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
+12.1%
$/sqft vs Bradenton actives
$164 vs $236
Days on market
31 vs 53 typical
Where $164/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 Heritage Harbour
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Heritage Harbour — neighborhood snapshot
Population
6,256
Median age
51
Median income
$103,298
Median home value
$400,220
Avg household
2
Households w/ children
451
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)
193 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 41% below the BRADENTON 34212 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 305 CAPE HARBOUR LOOP UNIT 104
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$195,000
311 CAPE HARBOUR LOOP UNIT 103 · same community
2 bd · 2.5 ba · 1,429 sqft · $136/sqft · 39 DOM
Sold · Aug ’25$220,000
311 CAPE HARBOUR LOOP UNIT 101 · same community
3 bd · 2.5 ba · 1,200 sqft · $183/sqft · 4 DOM
Sold · Apr ’26$210,000
257 CAPE HARBOUR LOOP UNIT 101 · same community
3 bd · 2.5 ba · 1,200 sqft · $175/sqft · 2 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 305 CAPE HARBOUR LOOP UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 305 CAPE HARBOUR LOOP UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
305 CAPE HARBOUR LOOP UNIT 104 FAQs
What would the monthly payment be for 305 CAPE HARBOUR LOOP UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,237/mo — principal and interest, the actual property-tax bill, the $355/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 305 CAPE HARBOUR LOOP UNIT 104?+
The association fee works out to $355 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 305 CAPE HARBOUR LOOP UNIT 104?+
The most recent tax bill on record (2025) was $2,818. 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 305 CAPE HARBOUR LOOP UNIT 104?+
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 $234,900, this home is listed about 41% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 305 CAPE HARBOUR LOOP UNIT 104?+
Freedom Elementary School (elementary), Carlos E. Haile Middle School (middle), Parrish Community 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 34212 market on paper
$234,900 is 41% below the BRADENTON 34212 median of $396,403, and at $164/sqft it sits under the Bradenton average of $264.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Freedom Elementary School, Carlos E. Haile Middle School, Parrish Community High School — Freedom Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Shana Desiderato. MLS #A4697955.
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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