9604 CORTEZ ROAD W UNIT 414, BRADENTON, FL, 34210
Active2 days on marketListed Aug 24, 2026MLS #A4703843
About this home
9604 CORTEZ ROAD W UNIT 414
Enjoy the coastal lifestyle with this beautifully upgraded waterfront condominium less than 3 miles from Anna Maria Island and its Gulf beaches, and just minutes from historic Cortez Fishing Village, known for its fresh local seafood and waterfront dining. This remodeled 1,388 sq. ft., 2-bedroom residence is located on the first residential level above covered parking, with convenient elevator access and a screened lanai overlooking the spa and waterway, where manatees are often spotted. The community’s waterway provides access to the Intracoastal Waterway, Palma Sola Bay and the Gulf. Freshly painted and move-in ready, the unit features impact windows, remodeled kitchen and bathrooms, new A/C, inside laundry room, crown molding, and charming Bahama shutters in the primary bedroom. Both bedrooms offer walk-in closets, including beautiful custom cabinetry and shelving in the guest bedroom closet. The association has completed its post-hurricane restoration, including a new reinforced roof, and renewed its master insurance coverage in 2026. The association has also updated its budget and reserves planning, with no special assessments currently due. Residents of Waterway Condominiums enjoy amenities including a heated pool and spa, tennis courts, clubhouse, fitness center, library, billiards room, elevator access, and beautifully maintained tropical landscaping. This unit does not include a deeded boat slip; however, slips owned by other residents may be available.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,388
Sqft
3.07 ac
Lot size
1
Garage
1982
Year built
One
Levels
$266
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.
$3,941 /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
$3,941/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
+7.8%
$/sqft vs Bradenton actives
$266 vs $243
Days on market
2 vs 56 typical
Where $266/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 →
BRADENTON 34210 — neighborhood snapshot
Population
17,301
Median age
56.3
Median income
$64,306
Median home value
$279,500
Avg household
2.09
Households w/ children
1,160
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)
227 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 85% above the BRADENTON 34210 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 9604 CORTEZ ROAD W UNIT 414
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$235,000
9604 CORTEZ ROAD W UNIT 421 · same community
2 bd · 2 ba · 1,218 sqft · $193/sqft · 134 DOM
Sold · Aug ’26$450,000
9604 CORTEZ ROAD W UNIT 436 · same community
3 bd · 3 ba · 1,988 sqft · $226/sqft · 106 DOM
Sold · Mar ’26$250,000
4855 INDEPENDENCE DRIVE
2 bd · 2 ba · 1,389 sqft · $180/sqft · 20 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 9604 CORTEZ ROAD W UNIT 414 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9604 CORTEZ ROAD W UNIT 414 — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9604 CORTEZ ROAD W UNIT 414 FAQs
What would the monthly payment be for 9604 CORTEZ ROAD W UNIT 414?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,941/mo — principal and interest, the actual property-tax bill, the $1,378/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 9604 CORTEZ ROAD W UNIT 414?+
The association fee works out to $1,378 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9604 CORTEZ ROAD W UNIT 414?+
The most recent tax bill on record (2025) was $807. 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 9604 CORTEZ ROAD W UNIT 414?+
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 $369,000, this home is listed about 5% below the Bradenton median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9604 CORTEZ ROAD W UNIT 414?+
Sea Breeze Elementary School (elementary), W. D. Sugg 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
$369,000 runs 85% above the BRADENTON 34210 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,378/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 2 days on market in a Bradenton market that averages 56 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of FLATFEE.COM · Cliff Glansen. MLS #A4703843.
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 9604 CORTEZ ROAD W UNIT 414 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 Nicholas to ping you on any price or status change →