CENTURY 21 Edge
$999,000$1,100,0003 bd3 ba3,273 sqft$305 /sqft≈$7,466 /mo all-in ↓

2012 NW 84TH STREET CIRCLE, BRADENTON, FL, 34209

Active45 days on marketListed Sep 24, 2026MLS #A4707138

✦ Reduced $101KPrivate poolSingle Family ResidenceRIVERS RIDGE

Come see it

Upcoming open house

Sun, Nov 8

12:00 PM – 4:00 PM

About this home

2012 NW 84TH STREET CIRCLE

Virtually Staged. ~ Rivers Ridge, NW Bradenton ~ Arrive through a tropical palm tree lined entrance bordered by two lakes into an enclave of 36 beautiful custom homes. This location is unbelievable where a 5 minute stroll lands you at the DeSoto National Memorial Park and the Manatee River waterway. You can head in the opposite direction two miles away to Robinsons Preserve, a 682 acre park, where you'll find scenic trails, bicycle paths, kayaking and an abundance of natural wildlife. Geraldsons Family Farm, the Botanical Gardens, Blenker's Marina and Bradenton's beautiful beaches are all also close by. This areas most treasured natural attractions surround you and are yours to enjoy. This luxurious home lives large with 3273 s.f. that includes 3 bedrooms, 3 bathrooms, and a Study/Bonus Room that has been sound-proofed. The Primary Bedroom, 16' x 24', is very generously sized. Rich solid wood flooring in the main living areas, volume ceilings, transom windows and crown molding are additional features. The kitchen overlooking the private backyard and caged swimming pool includes a spacious center island for food prep, a Breakfast Nook surrounded by aquarium windows and plenty of cabinetry for your storage needs. The Family Room has great ambiance and offers surround sound, arched Palladian style windows and a marble fireplace. Two guest suites with higher 10' ceilings have been insulated and sound proofed. Your indoor Laundry Room is huge with a skylight, storage cabinetry, built in desk, bookshelves, laundry sink and broom closet. Another added feature is the 2 car side-entry garage adding to the exterior elevation appeal that includes a built-in workbench and pull down attic access. Escape outdoors to your newly screened swimming pool perfectly situated in a very private backyard surrounded by mature landscape with plenty of room to entertain large crowds. Extras include an 8' x 8' spa, spillover waterfall, outdoor shower, tiled outdoor kitchen, stainless steel gas grill and a mini-refrigerator. Improvements include a new 2025 roof, 2019 and 2020 A/C systems with UV technology, a freshly painted 2026 exterior, central vacuum system and a 250 gallon underground propane tank supplying the outdoor grill and indoor gas fireplace. The in-ground well with an irrigation system, representing a $15K+ value, will also be a nice recurring savings on your watering bill. Flood insurance is not required with this higher 21+ ft. elevation. This gracious residence offers you the Florida Gulf Coast lifestyle!

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

3,273

Sqft

0.34 ac

Lot size

2

Garage

1997

Year built

One

Levels

$305

Per sqft

Private poolFireplacePool viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump · Zoned

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool
FacesEast
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side
ExteriorFrench Doors · Hurricane Shutters · Irrigation System · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Sliding Doors

Community & fees

HOA fee$133/mo
Taxes (2026)$6,142/yr
PetsYes
CommunityLake · Deed Restrictions · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Connected · Propane · Public · Sewer Connected · Sprinkler Well · Street Lights · Underground Utilities · Water Connected
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.

$7,466 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$6,287
PMI (est., until 20% equity)$375
Property tax — 2026 actual bill$512
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $99,900Loan30-yr fixed at 7.5%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% · $99,900
Interest rate7.50%
Loan term

Estimated payment

$7,466/mo

Principal & interest$6,287
PMI (est., until 20% equity)$375
Property taxes (actual bill)$512
HOA / condo fee$133
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.

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.

List $999K
$823KedgeAI estimate $907,475 · range $857K–$935K$1.0M

vs edgeAI estimate

+10.1%

$/sqft vs Bradenton actives

$305 vs $234

Days on market

45 vs 56 typical

Where $305/sqft sits among the 400 Bradenton actives

105
95
91
52 · this home
22
35
$123–178$178–233$233–288$288–343$343–398$398+

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 River's Ridge

Drive times from this address

Downtown Tampa≈ 62 min
Tampa Int’l Airport (TPA)≈ 65 min

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

Get to know Bradenton. See the full Bradenton guide →

River's Ridge — neighborhood snapshot

Population

81

Median age

51

Median income

$106,786

Median home value

$464,700

Avg household

3

Households w/ children

9%

For the school run

Manatee County School District

ElementaryIda M. Stewart Elementary School★★★★★
MiddleMartha B. King Middle School★★★★★
HighManatee High School★★★★★

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

The numbers that matter

The Bradenton market

Seller’s marketLeans seller — 4.3 months of inventoryBuyer’s market

$400K → $411K

Bradenton median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

173 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 158% above the Bradenton median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $999,000 ▼ $101K
Sep 24, 2026Listed at $1,100,000 · 45 days on market since
1997Built · RIVERS RIDGE

Reality check

What actually sold near 2012 NW 84TH STREET CIRCLE

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

503 84TH STREET NWSold · Jun ’26

$789,000

503 84TH STREET NW

3 bd · 2 ba · 3,384 sqft · $233/sqft · 18 DOM

508 84TH STREET NWSold · Mar ’26

$1,525,000

508 84TH STREET NW

4 bd · 3.5 ba · 3,442 sqft · $443/sqft · 154 DOM

8102 8TH TERRACE NWSold · Mar ’26

$1,200,000

8102 8TH TERRACE NW

4 bd · 3 ba · 3,009 sqft · $399/sqft · 0 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 2012 NW 84TH STREET CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2012 NW 84TH STREET CIRCLE — 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

2012 NW 84TH STREET CIRCLE FAQs

What would the monthly payment be for 2012 NW 84TH STREET CIRCLE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,466/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 2012 NW 84TH STREET CIRCLE?+

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 2012 NW 84TH STREET CIRCLE?+

The most recent tax bill on record (2026) was $6,142. 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 2012 NW 84TH STREET CIRCLE?+

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 $999,000, this home is listed about 158% above the Bradenton median of $386,950. The market section on this page shows how the area is trending.

Which schools are assigned to 2012 NW 84TH STREET CIRCLE?+

Ida M. Stewart Elementary School (elementary), Martha B. King Middle School (middle), Manatee 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

$999,000 runs 158% above the Bradenton median — but at 3,273 sqft it's also nearly twice the size of 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.

03Strong assigned schools

Ida M. Stewart Elementary School, Martha B. King Middle School, Manatee High School — Ida M. Stewart Elementary School rates 5 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,100,000, now $999,000 — a $101K cut. The full history is in the market section below.

Listing courtesy of WAGNER REALTY · Sherry Flathman. MLS #A4707138.

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 2012 NW 84TH STREET CIRCLE but not quite? A daily digest of every new listing in Bradenton — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

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 November 8, 2026 at 6:36 AM UTC. The listing information on this page last changed on November 8, 2026 at 6:36 AM 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 November 8, 2026 at 6:36 AM 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: November 8, 2026 at 6:36 AM 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.