5540 SIMONTON STREET, BRADENTON, FL, 34203
Active0 days on marketListed Aug 11, 2026MLS #A4701968
Come see it
Upcoming open house
Sat, Aug 22
12:00 PM – 3:00 PM
About this home
5540 SIMONTON STREET
LOCATION, LIFE-STYLE & MOVE-IN READY! Welcome to Harborage on Braden River, one of Bradenton’s hidden gems, where towering oaks, winding walking trails, lush natural Florida landscapes and a picturesque marina create an atmosphere that feels like a private waterfront retreat. Perfectly situated on a beautifully landscaped private lot along a quiet, tree-lined street, this exceptional residence presents a rare opportunity to own one of the largest floor plans in this highly sought-after Key West-inspired community. Designed to maximize natural light and spaciousness, the open floor plan showcases soaring 14-foot ceilings, impressive 8-foot doors and expansive double-pane windows throughout. Offering over 3 bedrooms plus a private den or office, 2 full baths, a formal dining room, spacious great room, generous eat-in kitchen and a well-appointed laundry room with cabinetry and utility sink, the home lives as beautifully as it looks. An oversized two-car garage includes an additional 6’ x 8’ storage area, providing plenty of room for hobbies, tools and recreational equipment. At the heart of the home is a beautifully updated kitchen featuring 42-inch maple cabinetry with a rich coffee glaze, elegant granite countertops, upgraded stainless-steel appliances, under-cabinet lighting and abundant workspace, Thoughtful upgrades continue throughout the home with wood-plank tile flooring, a stunning natural stone accent wall, crown molding, custom window treatments and custom-designed shelving systems in both walk-in closets of the spacious primary suite. Step outside to your spacious screened lanai with ceramic tile and discover your own private outdoor sanctuary. Recent improvements provide additional peace of mind, including a New Roof (2022), New HVAC system (2021), Exterior paint (2026), New Dishwasher (2026), New Washer/Dryer (2024), New 200-amp Generator Panel for portable generator (2025) and Rain Gutters. Residents enjoy a resort-style heated pool and spa, fitness center, beautifully appointed clubhouse, scenic walking trails, fishing pier and a charming marina complete with gazebo. Boat slips with lifts are available for annual lease and include fresh water, unmetered electricity and dockside storage. Private kayak and canoe storage, along with a convenient launch just steps from Ward Lake, makes enjoying the water effortless. Adding to its appeal, the HOA provides landscape maintenance, allowing homeowners to spend less time maintaining and more time enjoying. Ideally located west of I-75, Harborage offers easy access to SRQ Airport, University Town Center, championship golf, downtown Sarasota with all the Arts and Culture, exceptional dining, shopping and world-renowned Gulf Coast destinations including Siesta Key Beach, Lido Key, St. Armands Circle and Longboat Key. More than just a beautiful home, this is an invitation to experience a lifestyle defined by natural beauty, waterfront recreation, privacy and convenience. Discover why Harborage on Braden River remains one of Bradenton’s most treasured communities, and why this exceptional residence is the perfect place to call home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,110
Sqft
0.17 ac
Lot size
2
Garage
2006
Year built
One
Levels
$227
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.
$3,997 /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
$3,997/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
+5.7%
Days on market
0 vs 55 typical
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 Harborage On Braden River
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Harborage On Braden River — neighborhood snapshot
Population
295
Median age
57
Median income
$118,083
Median home value
$363,300
Avg household
2
Households w/ children
19%
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)
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% above the BRADENTON 34203 median. See the full Bradenton market guide →
Paper trail
This home's history
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 5540 SIMONTON STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5540 SIMONTON STREET — 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
5540 SIMONTON STREET FAQs
What would the monthly payment be for 5540 SIMONTON STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,997/mo — principal and interest, the actual property-tax bill, the $172/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 5540 SIMONTON STREET?+
The association fee works out to $172 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5540 SIMONTON STREET?+
The most recent tax bill on record (2025) was $7,596. 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 5540 SIMONTON STREET?+
The listing reports pets: Breed Restrictions, 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 $479,000, this home is listed about 23% above the Bradenton median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5540 SIMONTON STREET?+
Braden River High School (high), Tara Elementary School (elementary), Braden River Middle School (middle) — 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
$479,000 runs 100% above the BRADENTON 34203 median — but at 2,110 sqft it's also 35% larger than the typical Bradenton listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a Bradenton market that averages 55 — if it fits, move quickly.
04Strong assigned schools
Braden River High School, Tara Elementary School, Braden River Middle School — Tara Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Ray Rausa. MLS #A4701968.
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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