3220 45TH AVENUE E, BRADENTON, FL, 34203
Active77 days on marketListed May 7, 2026MLS #A4692738
About this home
3220 45TH AVENUE E
Lower your monthly payment on day one with a $10,000 seller-paid credit for an interest rate buydown or closing costs, available now with an acceptable offer! Welcome to 3220 45th Ave East in the quiet Wallingford community, a well-kept neighborhood known for its low HOA fees and NO CDD fees. This move-in-ready home features a functional split floor plan with vaulted ceilings, plenty of natural light, and easy-to-maintain flooring with no carpet throughout. You’ll have peace of mind with a roof and HVAC both replaced in 2022, plus practical additions like a reverse osmosis system in the kitchen, interior laundry room, and a garage featuring built-in cabinets for extra storage and a portable generator connection. The primary suite is a true standout, offering two walk-in closets and a spacious bathroom with dual sinks, a garden tub, and a separate shower. The screened lanai includes a convenient half bath that is perfectly positioned to serve as a pool bath if you choose to add one in the future. Enjoy year round living outside with views of a peaceful pond and a preserve backdrop. This location is hard to beat, offering a direct drive to Bradenton Beach and quick access to University Town Center and the Sarasota-Bradenton International Airport. The Bradenton home will not disappoint!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,798
Sqft
0.17 ac
Lot size
2
Garage
2002
Year built
One
Levels
$255
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.
$3,397 /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
$3,397/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
−15.7%
$/sqft vs Bradenton actives
$255 vs $239
Days on market
77 vs 53 typical
Where $255/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 Wallingford
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Wallingford — neighborhood snapshot
Population
751
Median age
41
Median income
$108,889
Median home value
$373,800
Avg household
3
Households w/ children
102
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 91% above the BRADENTON 34203 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 3220 45TH AVENUE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$479,000
3206 45TH WAY E · same community
3 bd · 2 ba · 1,917 sqft · $250/sqft · 158 DOM
Sold · Mar ’26$507,000
3314 45TH AVENUE E · same community
3 bd · 2 ba · 1,924 sqft · $264/sqft · 7 DOM
Sold · Jul ’25$499,999
3218 45TH WAY E · same community
4 bd · 2 ba · 2,288 sqft · $219/sqft · 105 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 3220 45TH AVENUE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3220 45TH AVENUE E — 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
3220 45TH AVENUE E FAQs
What would the monthly payment be for 3220 45TH AVENUE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,397/mo — principal and interest, the actual property-tax bill, the $45/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 3220 45TH AVENUE E?+
The association fee works out to $45 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3220 45TH AVENUE E?+
The most recent tax bill on record (2025) was $3,440. 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 3220 45TH AVENUE E?+
The listing reports pets: Cats OK, Dogs OK, 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 $459,000, this home is listed about 16% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 3220 45TH AVENUE E?+
Braden River High School (high), Tara Elementary School (elementary), Braden River Middle School (middle) — 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
$459,000 runs 91% above the BRADENTON 34203 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Braden River High School, Tara Elementary School, Braden River Middle School — Tara Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $465,000, now $459,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICE · Jill Thomas. MLS #A4692738.
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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