4540 TERRAZZA COURT, BRADENTON, FL, 34211
Active7 days on marketListed Oct 31, 2026MLS #A4711525
About this home
4540 TERRAZZA COURT
GOLF-DEEDED • SALTWATER POOL & SPA • SUNSET VIEWS Welcome to 4540 Terrazza Court, a beautifully maintained extended Lazio in Esplanade at Lakewood Ranch. Set on an exceptional lot, this golf-deeded home pairs serene water views to one side with a lush backdrop of towering palms and vibrant greenery beyond the lanai. Featuring 3 bedrooms, 3 bathrooms, and a flex study, the thoughtfully expanded floor plan offers generous spaces for everyday living and entertaining. Builder upgrades include an extended gourmet kitchen with a prep sink, extended bay windows in the primary and guest bedrooms, and crown molding throughout. A neutral palette and open layout complement a variety of decorating styles. Recent improvements include new engineered hardwood flooring in all bedrooms, a new dishwasher, a new Pentair variable-speed pool pump and upgraded IntelliCenter pool and spa automation system installed in January 2026, and a new UV light in the HVAC system. Low-voltage landscape lighting highlights the lush grounds and adds a warm evening ambiance. The extended travertine lanai brings Florida living into focus, with a saltwater pool and spa, waterfall feature, and inviting spaces for morning coffee, sunset cocktails, or dinner with friends. Lush landscaping creates a peaceful garden setting, while plumbing for a future outdoor kitchen offers another opportunity to enhance the outdoor experience. Esplanade’s gated, resort-style setting includes two fitness centers, a full-service spa, bocce, pickleball, tennis, fitness classes, walking trails, a dog park, a culinary center and clubhouse, a resort-style pool with private cabanas, and a resistance pool. The community recently completed an extensive improvement project featuring updates to the Bahama Bar, refreshed furniture, and an updated outdoor bar at Deke’s clubhouse—adding even more appeal to its dining and gathering spaces. With deeded golf, thoughtful upgrades, and an exceptional outdoor setting, this extended Lazio offers a welcoming place to settle in and start living your best Florida life.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,421
Sqft
0.21 ac
Lot size
2
Garage
2019
Year built
One
Levels
$475
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.
$9,515 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,515/mo
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.
vs edgeAI estimate
+24.9%
$/sqft vs Bradenton actives
$475 vs $232
Days on market
7 vs 56 typical
Where $475/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 Esplanade
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Esplanade — neighborhood snapshot
Population
2,444
Median age
54
Median income
$86,934
Median home value
$685,100
Avg household
3
Households w/ children
176
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 → $425K
Bradenton median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
171 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 188% above the BRADENTON 34211 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 4540 TERRAZZA COURT
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$1,055,000
12840 SORRENTO WAY · same community
3 bd · 3 ba · 2,340 sqft · $451/sqft · 56 DOM
Sold · Nov ’25$1,150,000
12856 SORRENTO WAY · same community
3 bd · 3 ba · 2,302 sqft · $500/sqft · 52 DOM
Sold · Aug ’26$995,000
4543 TERRAZZA COURT · same community
2 bd · 2.5 ba · 2,261 sqft · $440/sqft · 64 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4540 TERRAZZA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4540 TERRAZZA COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4540 TERRAZZA COURT FAQs
What would the monthly payment be for 4540 TERRAZZA COURT?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $9,515/mo — principal and interest, the actual property-tax bill, the $906/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 4540 TERRAZZA COURT?+
The association fee works out to $906 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4540 TERRAZZA COURT?+
The most recent tax bill on record (2025) was $9,375. 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 4540 TERRAZZA COURT?+
The listing reports pets: Breed Restrictions. 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 $1,150,000, this home is listed about 197% above the Bradenton median of $386,700. The market section on this page shows how the area is trending.
Which schools are assigned to 4540 TERRAZZA COURT?+
Dr Mona Jain Middle School (middle), B.D. Gullett Elementary School (elementary), Lakewood Ranch High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,150,000 runs 188% above the BRADENTON 34211 median — but at 2,421 sqft it's also 55% larger than 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.
03Know the monthly fee
The association fee is $906/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 7 days on market in a Bradenton market that averages 56 — if it fits, move quickly.
05Strong assigned schools
Dr Mona Jain Middle School, B.D. Gullett Elementary School, Lakewood Ranch High School — Dr Mona Jain Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KW SUNCOAST · Theresa DiNapoli. MLS #A4711525.
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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