3220 37TH TERRACE E, BRADENTON, FL, 34208
Active52 days on marketListed Aug 19, 2026MLS #A4703373
About this home
3220 37TH TERRACE E
This fully updated 5-bedroom, 2.5-bath pool home in Bradenton’s Sugar Ridge community is located on a quiet cul-de-sac and features a new roof, new AC and water heater, new impact windows, heated saltwater pool, first-floor primary suite, large fenced backyard and additional upgrades all completed within the past two years. The updated kitchen is open to the living room and features granite countertops, soft-close cabinetry, stainless steel appliances, and an oversized peninsula with seating for eight or more. Luxury vinyl plank flooring runs throughout the home for a cohesive, low-maintenance finish. The first-floor primary bedroom offers pool and backyard views, a walk-in closet, and an ensuite bathroom with a marble-top double sink vanity. Upstairs, a versatile flex space can serve as an office, playroom, or additional TV room, while four additional bedrooms and a full bathroom complete the second floor. The heated saltwater pool includes both a heater and chiller and is surrounded by a newly screened enclosure. The private, fully fenced backyard backs to a wooded area with partial pond views and includes a double gate with space to park a boat. A concrete-block shed or workshop with a new roof provides additional storage and hobby space. Additional upgrades include new front door, garage entry door, sliding glass door and new impact windows (all with a transferrable warranty), recessed lighting with eclipse feature, first floor laundry and fresh interior and exterior paint. This home is NOT located in a flood zone. Sugar Ridge offers a convenient Bradenton location just blocks away from a charter school and a short drive from the Gulf beaches, shopping, dining, I-75, and I-275 for convenient travel north or south, plus this peaceful neighborhood has an extremely low HOA of only $250/year. If you have been looking for a large, updated home in Bradenton, schedule your showing today!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
1,973
Sqft
0.2 ac
Lot size
2
Garage
1999
Year built
Two
Levels
$265
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.
$3,744 /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
$3,744/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
+8.7%
$/sqft vs Bradenton actives
$265 vs $243
Days on market
52 vs 75 typical
Where $265/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 Sugar Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Sugar Ridge — neighborhood snapshot
Population
772
Median age
32
Median income
$118,090
Median home value
$257,900
Avg household
4
Households w/ children
82%
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)
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 52% above the BRADENTON 34208 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 3220 37TH TERRACE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$380,000
3703 31ST STREET E · same community
3 bd · 2 ba · 1,514 sqft · $251/sqft · 32 DOM
Sold · Aug ’26$500,000
4506 SANIBEL WAY
4 bd · 2 ba · 1,972 sqft · $254/sqft · 64 DOM
Sold · Apr ’26$375,000
4107 34TH STREET E
4 bd · 3 ba · 2,033 sqft · $184/sqft · 158 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3220 37TH TERRACE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3220 37TH TERRACE E — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3220 37TH TERRACE E FAQs
What would the monthly payment be for 3220 37TH TERRACE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,744/mo — principal and interest, the actual property-tax bill, the $21/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 3220 37TH TERRACE E?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3220 37TH TERRACE E?+
The most recent tax bill on record (2025) was $3,042. 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 3220 37TH TERRACE E?+
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 $522,900, this home is listed about 34% above the Bradenton median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3220 37TH TERRACE E?+
Samoset Elementary School (elementary), Manatee Elementary School (elementary), Braden River High School (high), Braden River Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$522,900 runs 52% above the BRADENTON 34208 median — but at 1,973 sqft it's also 27% larger than the typical Bradenton listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $529,000, now $522,900 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY - SARASOTA · Ashley French. MLS #A4703373.
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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