CENTURY 21 Edge
$199,9001 bd1.5 ba790 sqft$253 /sqft≈$1,600 /mo all-in ↓

12 LAFAYETTE STREET, BRADENTON, FL, 34208

Active2 days on marketListed Oct 8, 2026MLS #A4708541

✦ Priced 42% below the BRADENTON 34208 medianSingle Family ResidenceBRADEN CASTLE PARK

Come see it

Upcoming open house

Sun, Oct 11

11:00 AM – 1:00 PM

About this home

12 LAFAYETTE STREET

Classic Cottage. Fresh Coastal Style. Beautifully Updated & Ready to Enjoy! Welcome home to fresh coastal style and modern comfort in waterfront Braden Castle Park. Taken down to the studs and rebuilt inside, the home features all new electrical wiring, new central air conditioning, a new tankless water heater, new luxury vinyl plank flooring, new kitchen cabinetry and an added half bath. The transformation goes far beyond cosmetic updates, pairing a rebuilt interior and new major systems with the character of a classic Florida cottage. The work is already done, so you can move in and start enjoying it. The window lined sunroom offers an inviting introduction, with heating and A/C for year round comfort. Currently used as a guest room, this flexible space is equally inviting for morning coffee, reading in the afternoon light or relaxing with friends. Inside, soft coastal colors, white paneled accents and light toned flooring create a bright, cohesive feel through the connected living and dining spaces. Soft green cabinetry, a tile backsplash and a coordinating retro style refrigerator give the kitchen a distinctive personality, while the adjoining dining area keeps meals and conversation connected. The bedroom offers a comfortable retreat, and the refreshed full bathroom pairs a tiled shower with a wood tone vanity and warm metallic fixtures. The newly added half bath sits beside the laundry area, adding convenience without sacrificing the cottage’s character. Covered carport parking and an added storage shed provide practical space beyond the interior. The home also offers an open backyard area, adding outdoor space to enjoy alongside the sunroom and covered carport. An open lot next door gives the cottage valuable breathing room, with a neighboring home on only one side. This extra sense of openness is a standout feature in the established cottage community and complements the peaceful setting. Water views from the driveway and community water access add to the appeal. Braden Castle Park is a 55+ community offering a community boat ramp, docks, a fishing pier, clubhouse and shuffleboard, giving you plenty of ways to enjoy time outdoors and connect with the neighborhood. Spend the morning on the water, cast a line from the pier or simply return home to your own bright and beautifully refreshed cottage. With substantial updates already completed and its classic personality preserved, this beautiful home brings together the charm of an established Florida community and the comfort of a fresh start. Schedule your private showing today!

Facts & features

The home at a glance

1

Bedrooms

1.5

Bathrooms

790

Sqft

0.06 ac

Lot size

1925

Year built

One

Levels

$253

Per sqft

City & Garden view55+ community

Inside

FlooringVinyl
AppliancesDryer · Microwave · None · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Walk-In Closet(s)
LaundryCommon Area · Inside
CoolingCentral Air · Other
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationPillar/Post/Pier
ViewCity · Garden
FacesEast
ParkingCovered · Driveway
ExteriorFrench Doors · Storage

Community & fees

HOA fee$33/mo
Taxes (2025)$1,707/yr
PetsNo
CommunityBoat Slip · Community Boat Ramp · Dock · Fishing · Marina · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Golf Carts OK

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Water Available
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.

$1,600 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,177
FHA mortgage insurance (est.)$88
Property tax — 2025 actual bill$142
HOA fee — from the listing$33
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,997Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,997
Interest rate6.00%
Loan term

Estimated payment

$1,600/mo

Principal & interest$1,177
FHA mortgage insurance (est.)$88
Property taxes (actual bill)$142
HOA / condo fee$33
Est. insurance$160

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.

List $200K
$149KedgeAI estimate $169,815 · range $155K–$184K$208K

vs edgeAI estimate

+17.7%

$/sqft vs Bradenton actives

$253 vs $244

Days on market

2 vs 75 typical

Where $253/sqft sits among the 400 Bradenton actives

104
94
106 · this home
37
28
31
$121–182$182–243$243–304$304–364$364–425$425+

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 Ayres Point

Drive times from this address

Downtown Tampa≈ 50 min
Tampa Int’l Airport (TPA)≈ 56 min

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

Get to know Bradenton. See the full Bradenton guide →

Ayres Point — neighborhood snapshot

Population

2,684

Median age

27

Median income

$48,756

Median home value

$231,791

Avg household

3

Households w/ children

383

For the school run

Manatee County School District

ElementaryManatee Elementary School★★★★★
HighManatee High School★★★★★
MiddleMartha B. King Middle School★★★★★

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

The numbers that matter

The Bradenton market

Seller’s marketLeans seller — 4.0 months of inventoryBuyer’s market

$395K → $420K

Bradenton median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

236 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 42% below the BRADENTON 34208 median. See the full Bradenton market guide →

Paper trail

This home's history

Oct 8, 2026Listed at $199,900 · 2 days on market since
1925Built · BRADEN CASTLE PARK

Reality check

What actually sold near 12 LAFAYETTE STREET

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

12 LAFAYETTE STREETSold · May ’26

$92,500

12 LAFAYETTE STREET · same community

1 bd · 1 ba · 790 sqft · $117/sqft · 93 DOM

5 PALM AVENUESold · Dec ’25

$62,000

5 PALM AVENUE · same community

2 bd · 1 ba · 750 sqft · $83/sqft · 306 DOM

11 LAFAYETTE STREETSold · Nov ’25

$183,500

11 LAFAYETTE STREET · same community

2 bd · 2 ba · 748 sqft · $245/sqft · 202 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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 12 LAFAYETTE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12 LAFAYETTE STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

12 LAFAYETTE STREET FAQs

What would the monthly payment be for 12 LAFAYETTE STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,600/mo — principal and interest, the actual property-tax bill, the $33/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 12 LAFAYETTE STREET?+

The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12 LAFAYETTE STREET?+

The most recent tax bill on record (2025) was $1,707. 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 12 LAFAYETTE STREET?+

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 $199,900, this home is listed about 49% below the Bradenton median of $390,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12 LAFAYETTE STREET?+

Manatee Elementary School (elementary), Manatee High School (high), Martha B. King Middle School (middle) — 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 34208 market on paper

$199,900 is 42% below the BRADENTON 34208 median of $344,000, and at $253/sqft it sits under the Bradenton average of $271.

02City & Garden views

The city and garden view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 2 days on market in a Bradenton market that averages 75 — if it fits, move quickly.

Listing courtesy of KW SUNCOAST · Ronald Pepka. MLS #A4708541.

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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