CENTURY 21 Edge
$825,0005 bd3 ba2,994 sqft$276 /sqft$5,833 /mo all-in ↓

12320 TERRACOTTA DRIVE, BRADENTON, FL, 34211

Active26 days on marketListed Aug 25, 2026MLS #A4703481

Single Family ResidenceARBOR GRANDE

About this home

12320 TERRACOTTA DRIVE

Welcome to Arbor Grande, where refined Florida living meets thoughtful design in this stunning gated community. Ideally positioned within the neighborhood, this exceptional 5-bedroom, 3 full bath residence offers nearly 3,000 square feet of beautifully appointed living space and an impressive collection of upgrades. From the moment you enter Arbor Grande through its striking gated entrance, you'll appreciate the community's elevated, estate-like ambiance. Follow Terracotta Drive past the impressive amenities center and arrive at 12320 Terracotta Drive, where lush tropical landscaping, stately royal palms, and warm landscape lighting create an inviting first impression. Step inside and you'll immediately feel the warmth and sophistication of this beautifully designed home. Wood-look tile flooring, upgraded lighting, and carefully selected finishes create a welcoming atmosphere throughout. Just off the foyer, the fifth bedroom and adjacent full bath offers the perfect private retreat for guests, an office, or a flexible living space. The heart of the home is the open-concept kitchen, dining, and living area an ideal setting for entertaining or enjoying everyday life with family. Designer wallpaper and elegant light fixtures add a touch of sophistication, while the beautifully upgraded kitchen showcases quartz countertops, a striking backsplash, stylish cabinet hardware, and a designer faucet. The well-appointed kitchen also offers an abundance of counter space, a gas cooktop, and a spacious pantry, making it as functional as it is beautiful. The attention to detail continues upstairs, where a beautifully enhanced rich wood staircase and designer wallpaper create a dramatic transition to the private living spaces. Luxury vinyl plank flooring extends throughout the entire second floor, offering the look and feel of hardwood without the maintenance of carpet. Your oversized primary suite provides a true retreat, complete with plantation shutters and a luxurious ensuite designed to evoke a spa like experience. Unwind in the generous soaking tub, refresh in the expansive walk-in shower, and enjoy the convenience of an oversized walk-in closet. Three additional upstairs bedrooms are light, bright, and beautifully finished, each featuring plantation shutters and distinctive designer wallpaper that gives every space its own personality. A spacious laundry room conveniently located near the kitchen and garage adds everyday functionality, along with a practical drop zone for keeping life organized. Step outside to the expansive lanai and enjoy an evening meal or unwind while overlooking the large, private backyard. With no rear neighbors and plenty of room to create your own outdoor oasis, there's even ample space to add a pool and further elevate the Florida lifestyle. Then there's Arbor Grande. Just a short walk from your front door, the community amenities center offers an impressive resort style pool, state of the art fitness center, and beautifully designed community center an exceptional space for celebrations, gatherings, and entertaining family and friends. 12320 Terracotta Drive is more than a beautifully upgraded home; it's a lifestyle. If you're searching for a residence that truly checks all the boxes space, style, privacy, thoughtful upgrades, and an exceptional gated community you've found it. Don't miss the opportunity to make this Arbor Grande beauty your own.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

2,994

Sqft

0.16 ac

Lot size

2

Garage

2018

Year built

Two

Levels

$276

Per sqft

Pets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Wood Cabinets · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofConcrete · Tile
ConstructionStucco
FoundationSlab
FacesNorth
ExteriorIrrigation System · Private Entrance · Private Yard · Sliding Doors

Community & fees

HOA fee$321/mo
Taxes (2025)$7,091/yr
PetsYes
CommunityClubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - No Guard · Golf Carts OK · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesPublic
WaterPublic

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.

$5,833 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,452
PMI (est., until 20% equity)$309
Property tax — 2025 actual bill$591
HOA fee — from the listing$321
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $82,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $82,500
Interest rate6.00%
Loan term

Estimated payment

$5,833/mo

Principal & interest$4,452
PMI (est., until 20% equity)$309
Property taxes (actual bill)$591
HOA / condo fee$321
Est. insurance$160

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.

List $825K
$596KedgeAI estimate $648,976 · range $621K$680K$858K

vs edgeAI estimate

+27.1%

$/sqft vs Bradenton actives

$276 vs $241

Days on market

26 vs 56 typical

Where $276/sqft sits among the 400 Bradenton actives

123
116
77 · this home
40
18
26
$130–194$194–259$259–323$323–387$387–452$452+

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

Downtown Tampa52 min
Tampa Int’l Airport (TPA)62 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Bradenton. See the full Bradenton guide →

BRADENTON 34211 — neighborhood snapshot

Population

20,786

Median age

48.5

Median income

$118,565

Median home value

$601,300

Avg household

2.65

Households w/ children

1,934

For the school run

Manatee County School District

MiddleDr Mona Jain Middle School★★★★
ElementaryB.D. Gullett Elementary School★★★★
HighLakewood Ranch High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bradenton market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$395K$420K

Bradenton median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

255 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 102% above the BRADENTON 34211 median. See the full Bradenton market guide →

Paper trail

This home's history

Aug 25, 2026Listed at $825,000 · 26 days on market since
2018Built · ARBOR GRANDE

Reality check

What actually sold near 12320 TERRACOTTA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12031 MEDLEY TERRACESold · Dec ’25

$585,000

12031 MEDLEY TERRACE · same community

3 bd · 3 ba · 2,448 sqft · $239/sqft · 275 DOM

12007 PERENNIAL PLACESold · Jun ’26

$825,000

12007 PERENNIAL PLACE · same community

3 bd · 3 ba · 2,448 sqft · $337/sqft · 85 DOM

12022 MEDLEY TERRACESold · Aug ’26

$770,000

12022 MEDLEY TERRACE · same community

4 bd · 4 ba · 3,571 sqft · $216/sqft · 36 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 12320 TERRACOTTA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12320 TERRACOTTA DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12320 TERRACOTTA DRIVE FAQs

What would the monthly payment be for 12320 TERRACOTTA DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,833/mo — principal and interest, the actual property-tax bill, the $321/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 12320 TERRACOTTA DRIVE?+

The association fee works out to $321 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12320 TERRACOTTA DRIVE?+

The most recent tax bill on record (2025) was $7,091. 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 12320 TERRACOTTA DRIVE?+

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 $825,000, this home is listed about 112% above the Bradenton median of $390,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12320 TERRACOTTA DRIVE?+

Dr Mona Jain Middle School (middle), B.D. Gullett Elementary School (elementary), Lakewood Ranch High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of RE/MAX ALLIANCE GROUP · Gregory Zies, LLC. MLS #A4703481.

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.

Never miss a listing

New Bradenton homes, in your inbox

Like 12320 TERRACOTTA DRIVE but not quite? A daily digest of every new listing in Bradenton — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Zack to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated September 20, 2026 at 5:52 PM UTC. The listing information on this page last changed on September 20, 2026 at 5:52 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on September 20, 2026 at 5:52 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: September 20, 2026 at 5:52 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.