226 CAPE HARBOUR LOOP UNIT 104, BRADENTON, FL, 34212
Active229 days on marketListed Dec 6, 2025MLS #A4673983
About this home
226 CAPE HARBOUR LOOP UNIT 104
A GREAT PLACE TO START. Perfect for the first time buyer. This Tastefully furnished LAKE FRONT unit is your first step into Home Ownership. No need to spend any cash on furnishings they're waiting for you here. Seasonal residents just bring your toothbrush, swim trunks, a pair of flip flops and plan to spend lots of time at the pool or on the Beach. Savvy investor looking for a ready rental? Sign a Lease at closing and start your income stream. There's lots to love about this amazing Townhome; the kitchen features Granite counters, Maple cabinets, a pantry, newer appliances and a breakfast bar where you will enjoy a morning cup of "Joe" or a quick lunch before heading out to start your day in paradise. The dining room is perfect for holiday gatherings or entertaining friends on the weekend, the GREAT ROOM design fits our active Florida lifestyle and offers access to the Lanai overlooking a REAL LAKE where you can enjoy a glass of wine as the evening settles after another perfect day in paradise. Upstairs two full size bedrooms AND 2 FULL BATHS with a "Flex room" that can be kids play space, an in house office, craft room or a 3rd BEDROOM if and when your family expands. Tile flooring throughout downstairs, wood stairway and Bamboo LVT upstairs in all rooms. FRESHLY PAINTED interior, newer construction standards (built in 2006) keep insurance reasonable, extra storage for bikes, Easy access to I-75 make St Pete or Sarasota a short drive. Amenities include: resort style community pool, park with picnic area, fishing spots and a playground perfect for growing families. IF you're a first time buyer, don't miss an opportunity to make a great first investment in real estate; a seasonal resident, this one won't break the bank, and if you're an investor, bring a lease with you to closing and start collecting rent the next day. What you see is what you get with this one, so CALL TODAY!!!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,429
Sqft
0 ac
Lot size
2006
Year built
Two
Levels
$157
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.
$2,217 /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
$2,217/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
+6.7%
$/sqft vs Bradenton actives
$157 vs $236
Days on market
229 vs 53 typical
Where $157/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 Heritage Harbour
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Heritage Harbour — neighborhood snapshot
Population
6,256
Median age
51
Median income
$103,298
Median home value
$400,220
Avg household
2
Households w/ children
451
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
$410K → $424K
Bradenton median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
185 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 44% below the BRADENTON 34212 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 226 CAPE HARBOUR LOOP UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$230,000
227 CAPE HARBOUR LOOP UNIT 103 · same community
2 bd · 2.5 ba · 1,429 sqft · $161/sqft · 90 DOM
Sold · Jun ’26$228,000
232 CAPE HARBOUR LOOP UNIT 106 · same community
2 bd · 2.5 ba · 1,429 sqft · $160/sqft · 28 DOM
Sold · May ’26$195,000
311 CAPE HARBOUR LOOP UNIT 103
2 bd · 2.5 ba · 1,429 sqft · $136/sqft · 39 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 226 CAPE HARBOUR LOOP UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 226 CAPE HARBOUR LOOP UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
226 CAPE HARBOUR LOOP UNIT 104 FAQs
What would the monthly payment be for 226 CAPE HARBOUR LOOP UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,217/mo — principal and interest, the actual property-tax bill, the $352/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 226 CAPE HARBOUR LOOP UNIT 104?+
The association fee works out to $352 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 226 CAPE HARBOUR LOOP UNIT 104?+
The most recent tax bill on record (2024) was $3,378. 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 226 CAPE HARBOUR LOOP UNIT 104?+
The listing reports pets: Number Limit, Size 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 $224,900, this home is listed about 43% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 226 CAPE HARBOUR LOOP UNIT 104?+
Freedom Elementary School (elementary), Carlos E. Haile Middle School (middle), Parrish Community 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
01Under the BRADENTON 34212 market on paper
$224,900 is 44% below the BRADENTON 34212 median of $401,000, and at $157/sqft it sits under the Bradenton average of $264.
02Park/Greenbelt & Water views
The park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
229 days on market against a Bradenton median of 53 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Freedom Elementary School, Carlos E. Haile Middle School, Parrish Community High School — Freedom Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $239,900, now $224,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FINE PROPERTIES · Richard Capps. MLS #A4673983.
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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