204 BAY DRIVE N, BRADENTON BEACH, FL, 34217
Active1 days on marketListed Aug 5, 2026MLS #A4699063
About this home
204 BAY DRIVE N
This is a unique opportunity to own a truly exceptional property! This beautifully updated 4-bedroom, 2-bathroom duplex is ideally located just a 2- to 4-minute walk from the pristine beaches of the Gulf of America on the secluded shores of Bradenton Beach, and only moments from Coquina Beach. Completely renovated in 2022, the property features modern finishes and thoughtful updates throughout, making it move-in and rental-ready. Currently operating as a successful active short-term rental, this turnkey investment offers an excellent opportunity for investors, vacation home buyers, or those seeking a coastal retreat with income potential. Whether you're looking to expand your investment portfolio or own a piece of paradise, this exceptional duplex is ready for its next owner. Don't miss your chance to experience the best of island living with easy access to world-class beaches, dining, shopping, and local attractions.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,542
Sqft
0.11 ac
Lot size
1994
Year built
One
Levels
$1,401
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 — not generic estimates.
$13,299 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$13,299/mo
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.
$/sqft vs Bradenton Beach actives
$1,401 vs $932
Days on market
1 vs 97 typical
Where $1,401/sqft sits among the 83 Bradenton Beach 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 Azure Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton Beach. See the full Bradenton Beach guide →
Azure Shores — neighborhood snapshot
Population
103
Median age
67
Median income
$74,643
Median home value
$559,400
Avg household
2
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 Beach market
$1.0M → $675K
Bradenton Beach median sold, yr/yr
90.4%
Sale-to-list ratio (12 mo)
40 of 83
Bradenton Beach actives have cut their price
Median sold price, Bradenton Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 75% above the BRADENTON BEACH 34217 median. See the full Bradenton Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 204 BAY DRIVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,050,000
1423 GULF DRIVE N
3 bd · 2.5 ba · 1,524 sqft · $689/sqft · 3 DOM
Sold · Feb ’26$955,000
1463 GULF DRIVE N UNIT 14
3 bd · 2.5 ba · 1,524 sqft · $627/sqft · 27 DOM
Sold · Jul ’26$1,800,000
2208 AVENUE A
3 bd · 3 ba · 1,572 sqft · $1,145/sqft · 75 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 204 BAY DRIVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 204 BAY DRIVE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
204 BAY DRIVE N FAQs
What would the monthly payment be for 204 BAY DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,299/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 204 BAY DRIVE N?+
The most recent tax bill on record (2025) was $8,079. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Bradenton Beach?+
At $2,160,000, this home is listed about 79% above the Bradenton Beach median of $1,207,500. The market section on this page shows how the area is trending.
Which schools are assigned to 204 BAY DRIVE N?+
Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), 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
01Positioned at the premium end
$2,160,000 runs 75% above the BRADENTON BEACH 34217 median — but at 1,542 sqft it's also 15% larger than the typical Bradenton Beach listing.
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.
03Fresh on the market
Only 1 day on market in a Bradenton Beach market that averages 97 — if it fits, move quickly.
04Strong assigned schools
Anna Maria Elementary School, Martha B. King Middle School, Bayshore High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MEDWAY REALTY · Eric Meinheit. MLS #A4699063.
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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