4109 OVERTURE CIRCLE UNIT 4109, BRADENTON, FL, 34209
Active164 days on marketListed Feb 10, 2026MLS #A4681695
About this home
4109 OVERTURE CIRCLE UNIT 4109
Located in the desirable community of Palma Sola Trace, this beautifully maintained two-story condo with an attached one-car garage offers a low-maintenance lifestyle just minutes from beaches, shopping, dining, IMG Academy, Robinson Preserve, and medical facilities. The popular Carlisle floor plan features a bright, open main level with spacious living and dining areas, a well-appointed kitchen with solid wood cabinetry, stone countertops, stainless steel appliances, and direct access to a private screened lanai, plus a convenient guest half bath. Upstairs, the primary suite offers a generous layout with en suite bath, accompanied by two additional bedrooms and a full bath. Recent updates include a new washer and dryer (2023), new furnace (2021), water heater (2024), garbage disposal (2024), and a new garage door (2025). Carpet was installed approximately three years ago and gently used, as the home has served only as the owners’ vacation residence and has not been rented. Hurricane shutters are stored in the garage for added peace of mind. Enjoy easy access to the community amenities, including clubhouse, fitness center, resort-style heated pool and spa, walking trails, and playground. The unit is conveniently located near the community gate for quick walks to shopping and dining, as well as close proximity to the trash and recycling area. Three-month rentals are permitted, making this an ideal full-time residence, seasonal retreat, or investment opportunity.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,520
Sqft
0 ac
Lot size
1
Garage
2012
Year built
Two
Levels
$228
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.
$3,019 /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
$3,019/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
+0.2%
$/sqft vs PALMA SOLA TRACE
$228 vs $232
Days on market
164 vs 53 typical
Where $228/sqft sits among the 12 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 Palma Sola Trace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Palma Sola Trace — neighborhood snapshot
Population
914
Median age
65
Median income
$101,520
Median home value
$418,400
Avg household
2
Households w/ children
12%
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)
7 of 12
PALMA SOLA TRACE have cut their price
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the BRADENTON 34209 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 4109 OVERTURE CIRCLE UNIT 4109
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 · Feb ’26$300,000
7240 HAMILTON ROAD · same community
3 bd · 2.5 ba · 1,520 sqft · $197/sqft · 183 DOM
Sold · Apr ’26$370,000
4174 OVERTURE CIRCLE UNIT 519 · same community
3 bd · 2.5 ba · 1,520 sqft · $243/sqft · 45 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4109 OVERTURE CIRCLE UNIT 4109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4109 OVERTURE CIRCLE UNIT 4109 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
4109 OVERTURE CIRCLE UNIT 4109 FAQs
What would the monthly payment be for 4109 OVERTURE CIRCLE UNIT 4109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,019/mo — principal and interest, the actual property-tax bill, the $143/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 4109 OVERTURE CIRCLE UNIT 4109?+
The association fee works out to $143 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4109 OVERTURE CIRCLE UNIT 4109?+
The most recent tax bill on record (2024) was $6,321. 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 4109 OVERTURE CIRCLE UNIT 4109?+
The listing reports pets: Breed Restrictions, 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 $345,900, this home is listed about 13% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 4109 OVERTURE CIRCLE UNIT 4109?+
Sea Breeze 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.
The brief
Four things that matter here
01Positioned at the premium end
$345,900 runs 34% above the BRADENTON 34209 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
164 days on market against a Bradenton median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $349,900, now $345,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FINE PROPERTIES · Karen Sorensen. MLS #A4681695.
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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