4040 IRONWOOD CIRCLE UNIT 102F, BRADENTON, FL, 34209
Active11 days on marketListed Jul 27, 2026MLS #A4700726
About this home
4040 IRONWOOD CIRCLE UNIT 102F
Exceptional value at just $128,000.00! Seller is offering UP TO $2000.00 toward the buyers closing costs and a $2000.00 flooring credit, allowing you to customize the flooring to your personal taste. Don't miss this exceptional opportunity to own one of the best values in the Pinebrook/Ironwood golf community. This well-maintained 2 bedroom, 2 bath first floor condo with golf course views includes a covered carport and is ideally located just steps from the fitness center & community pool. The building has recently undergone exterior improvements, including fresh paint, and will be installing brand new sidewalks, giving the new owner the benefit of a beautifully updated building. All current assessments have been paid by the seller. Located approximately 5 miles from the beautiful beaches of Anna Maria Island, a 20 minute drive to Sarasota/Bradenton airport, and close to shopping, restaurants, medical facilities, GT Bray Park and it's world-renowned pickleball courts, and a public golf course right out your back door. Whether you're looking for a full time residence, seasonal getaway, or investment opportunity, this affordably priced condo is an outstanding value in a prime west Bradenton location. Schedule your private showing today! Furnishings are negotiable!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,008
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$127
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.
$1,647 /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
$1,647/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
−21.6%
$/sqft vs Bradenton actives
$127 vs $248
Days on market
11 vs 55 typical
Where $127/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 Bradenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
The numbers that matter
The Bradenton market
$395K → $420K
Bradenton median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
218 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 67% below the Bradenton median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 4040 IRONWOOD CIRCLE UNIT 102F
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$154,000
4040 IRONWOOD CIRCLE UNIT 401F · same community
2 bd · 2 ba · 1,008 sqft · $153/sqft · 217 DOM
Sold · Dec ’25$225,000
3112 52ND AVENUE DRIVE W
2 bd · 1 ba · 1,048 sqft · $215/sqft · 2 DOM
Sold · Feb ’26$62,475
5026 WATER OAK DRIVE UNIT 220
2 bd · 2 ba · 960 sqft · $65/sqft · 266 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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4040 IRONWOOD CIRCLE UNIT 102F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4040 IRONWOOD CIRCLE UNIT 102F — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4040 IRONWOOD CIRCLE UNIT 102F FAQs
What would the monthly payment be for 4040 IRONWOOD CIRCLE UNIT 102F?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,647/mo — principal and interest, the actual property-tax bill, the $626/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 4040 IRONWOOD CIRCLE UNIT 102F?+
The association fee works out to $626 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4040 IRONWOOD CIRCLE UNIT 102F?+
The most recent tax bill on record (2025) was $611. 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 4040 IRONWOOD CIRCLE UNIT 102F?+
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 $128,000, this home is listed about 67% below the Bradenton median of $389,650. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Bradenton market on paper
$128,000 is 67% below the Bradenton median of $389,650, and at $127/sqft it sits under the Bradenton average of $263.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $626/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Anita Jones. MLS #A4700726.
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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