4040 OVERTURE CIRCLE UNIT 478, BRADENTON, FL, 34209
Active14 days on marketListed Sep 26, 2026MLS #A4707537
About this home
4040 OVERTURE CIRCLE UNIT 478
Wonderful three bedroom townhouse situated in a prime location of west Bradenton. This spacious condo is just 7 miles from the gorgeous beaches of Anna Maria Island without the worry of living in a flood zone. "Palma Sola Trace" community is pet-friendly, offers well manicured, lushly landscaped grounds, a large heated community pool, clubhouse, and an impressive work-out room for residents & their guests. This unit is located directly on the lake with serene views of the water and visiting coastal birds. Unit offers high ceilings throughout, a one car garage, washer & dryer on the upper bedroom level, a great galley kitchen and screened lanai. Turn-key furnishings shown are negotiable. Conveniently located near grocery stores, restaurants, shops, pharmacy, 24 hour urgent care & hospital.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,520
Sqft
0 ac
Lot size
1
Garage
2008
Year built
Two
Levels
$214
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 — not generic estimates.
$2,759 /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
$2,759/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
+29.8%
$/sqft vs PALMA SOLA TRACE
$214 vs $226
Days on market
14 vs 75 typical
Where $214/sqft sits among the 15 homes for sale in PALMA SOLA TRACE
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 34209 — neighborhood snapshot
Population
33,586
Median age
58.1
Median income
$80,829
Median home value
$357,300
Avg household
2.21
Households w/ children
2,354
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)
6 of 15
PALMA SOLA TRACE have cut their price
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the BRADENTON 34209 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 4040 OVERTURE CIRCLE UNIT 478
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$320,000
4158 OVERTURE CIRCLE UNIT 4158 · same community
3 bd · 2.5 ba · 1,520 sqft · $211/sqft · 35 DOM
Sold · Jul ’26$334,000
4026 OVERTURE CIRCLE UNIT 4026 · same community
3 bd · 2.5 ba · 1,520 sqft · $220/sqft · 71 DOM
Sold · Feb ’26$300,000
7240 HAMILTON ROAD · same community
3 bd · 2.5 ba · 1,520 sqft · $197/sqft · 183 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4040 OVERTURE CIRCLE UNIT 478 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4040 OVERTURE CIRCLE UNIT 478 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4040 OVERTURE CIRCLE UNIT 478 FAQs
What would the monthly payment be for 4040 OVERTURE CIRCLE UNIT 478?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,759/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4040 OVERTURE CIRCLE UNIT 478?+
The most recent tax bill on record (2025) was $6,501. 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 4040 OVERTURE CIRCLE UNIT 478?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $325,000, this home is listed about 17% below the Bradenton median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4040 OVERTURE CIRCLE UNIT 478?+
H. S. Moody 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.
Keep looking
Similar homes nearby
Listing courtesy of MIKE NORMAN REALTY INC. · Marianne Norman-Ellis. MLS #A4707537.
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 4040 OVERTURE CIRCLE UNIT 478 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 Donna to ping you on any price or status change →