4431 FERN DRIVE, BRADENTON, FL, 34208
Active41 days on marketListed Jun 23, 2026MLS #A4697074
About this home
4431 FERN DRIVE
Virtually Staged. Rarely do you find a home that offers this much space, flexibility, and value with such low ownership costs. Nestled within an intimate enclave of just 31 land-owned condos that live like single-family homes, this beautifully maintained residence in a 55+ community combines privacy, convenience, and thoughtful upgrades—all with a remarkably low HOA fee of just $150 per month and no CDD fees. Step inside to discover a floor plan unlike anything else on the market. Vaulted ceilings soar above the main living area, enhanced by two solar tube skylights that fill the home with natural light. The kitchen is thoughtfully designed with extensive cabinetry, granite countertops, and abundant storage. Luxury vinyl plank flooring and tile flow throughout the home, while the Florida room features durable vinyl flooring, providing an attractive, low-maintenance living space. What truly sets this home apart is its flexible floor plan, featuring a bonus room and a private office retreat tucked off the primary suite. Complete with double pocket doors, bay windows, and direct patio access, this space is ideal for working from home, pursuing hobbies, or creating a private sanctuary. The primary suite offers two closets and an updated ensuite bath with dual sinks, granite countertops, a linen closet, and a large Bath Fitter shower. Guests will appreciate the split-bedroom design, with a pocket door that allows the secondary bedroom and bath to become a private ensuite wing and comes with a Murphy bed already installed. Peace of mind comes from major updates already completed, including a new roof (2016), hurricane impact-rated windows and doors (2018), AC (2021), water heater (2023), and fresh interior paint. Modern conveniences include Alexa-enabled smart lighting, Ring security cameras, and garage storage with a built-in workbench. Optional affiliate membership at River Isles is available for just $180 per quarter and includes access to a community pool, clubhouse, fitness center, library, game room, and shuffleboard courts. Golf enthusiasts can enjoy an annual River Isles Golf Club membership for only $663.40. Homes with this combination of space, versatility, upgrades, and value are exceptionally hard to find. Come see it for yourself—you may have just found the one you've been waiting for.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,538
Sqft
0.16 ac
Lot size
2
Garage
1995
Year built
One
Levels
$246
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 — not generic estimates.
$2,752 /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
$2,752/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
+54.7%
$/sqft vs Bradenton actives
$246 vs $249
Days on market
41 vs 53 typical
Where $246/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 Braden River East
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Braden River East — neighborhood snapshot
Population
7,295
Median age
52
Median income
$86,737
Median home value
$379,666
Avg household
2
Households w/ children
686
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)
200 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 8% above the BRADENTON 34208 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 4431 FERN DRIVE
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$415,000
713 Highland Dr, West Palm Beach FL 33405 · same community
3 bd · 2 ba · 1,686 sqft · $246/sqft · 162 DOM
Sold · Mar ’26$270,000
4532 FERN DRIVE · same community
2 bd · 2 ba · 1,200 sqft · $225/sqft · 7 DOM
Sold · May ’26$419,000
701 Palmetto Street, West Palm Beach FL 33405 · same community
2 bd · 1 ba · 976 sqft · $429/sqft · 33 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 4431 FERN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4431 FERN DRIVE — 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
4431 FERN DRIVE FAQs
What would the monthly payment be for 4431 FERN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,752/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4431 FERN DRIVE?+
The most recent tax bill on record (2025) was $2,317. 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 4431 FERN DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $379,000, this home is listed about 4% below the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 4431 FERN DRIVE?+
William H. Bashaw Elementary (elementary), Carlos E. Haile Middle School (middle), Braden River High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Melinda Sanchez, PLLC. MLS #A4697074.
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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