6904 CORTEZ ROAD W UNIT 10, BRADENTON, FL, 34210
Active48 days on marketListed Sep 20, 2026MLS #A4706681
About this home
6904 CORTEZ ROAD W UNIT 10
LAND OWNED and just minutes from Anna Maria Island! Welcome to Royal Garden Estates, a well established 55+ community offering an affordable way to enjoy the Florida lifestyle without sacrificing location. This 2009 home features 2 bedrooms, 2 bathrooms and an open, easy living floor plan with vaulted ceilings that make the space feel bright and comfortable. The kitchen, dining and living areas flow together nicely, while the split bedroom layout provides privacy for you and your guests. The primary suite includes its own bathroom and generous closet space. You’ll also have the convenience of indoor laundry, a covered carport and an additional storage shed. Even better, you OWN THE LAND and the community fee is only approximately $133 per month. Royal Garden Estates is conveniently located near shopping, dining and everyday necessities, while putting you less than 5 miles from the beach and Anna Maria Island. Located in Flood Zone X and being offered turnkey with the exception of select wall decor and the guest bedroom bed, this is an easy Florida home base whether you’re looking for a full time residence or seasonal escape.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
770
Sqft
0.07 ac
Lot size
2009
Year built
One
Levels
$169
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.
$1,387 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,387/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+6.6%
$/sqft vs Bradenton actives
$169 vs $232
Days on market
48 vs 55 typical
Where $169/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
17,682
Median age
55.5
Median income
$64,244
Median home value
$301,200
Avg household
2.06
Households w/ children
1,237
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
$400K → $421K
Bradenton median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
168 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 46% below the BRADENTON 34210 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 6904 CORTEZ ROAD W UNIT 10
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$149,900
4802 51ST STREET W UNIT 1908
1 bd · 1 ba · 794 sqft · $189/sqft · 178 DOM
Sold · Mar ’26$168,000
4850 51ST STREET W UNIT 3102
1 bd · 1 ba · 672 sqft · $250/sqft · 54 DOM
Sold · Oct ’25$146,000
4850 51ST STREET W UNIT 3205
2 bd · 2 ba · 1,000 sqft · $146/sqft · 12 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6904 CORTEZ ROAD W UNIT 10 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6904 CORTEZ ROAD W UNIT 10 — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6904 CORTEZ ROAD W UNIT 10 FAQs
What would the monthly payment be for 6904 CORTEZ ROAD W UNIT 10?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,387/mo — principal and interest, the actual property-tax bill, the $133/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 6904 CORTEZ ROAD W UNIT 10?+
The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6904 CORTEZ ROAD W UNIT 10?+
The most recent tax bill on record (2025) was $1,740. 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 6904 CORTEZ ROAD W UNIT 10?+
The listing reports pets: No. 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 $129,900, this home is listed about 67% below the Bradenton median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6904 CORTEZ ROAD W UNIT 10?+
W. D. Sugg Middle School (middle), Sea Breeze Elementary School (elementary), Bayshore High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the BRADENTON 34210 market on paper
$129,900 is 46% below the BRADENTON 34210 median of $239,000, and at $169/sqft it sits under the Bradenton average of $270.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03The price has already moved
Listed at $134,000, now $129,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LESLIE WELLS REALTY, INC. · Alexis Christensen. MLS #A4706681.
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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