9604 CORTEZ ROAD W UNIT 134, BRADENTON, FL, 34210
Active20 days on marketListed Jul 12, 2026MLS #A4699738
About this home
9604 CORTEZ ROAD W UNIT 134
Virtually Staged. Wake up to water views and salt air in this beautifully renovated 3-bedroom, 3-bath waterfront retreat at The Waterway, one of West Bradenton's best-kept boating secrets. With 1,988 square feet of light-filled living space, soaring two-story ceilings, this move-in-ready residence delivers vacation living 365 days a year. Step into a stunning great room where dramatic two-story ceilings and a wall of windows frame sweeping views of the sparkling community pool and canal beyond — an entertainer's dream that lives large and bright. The showpiece kitchen is designed to impress: sleek handleless high-gloss white cabinetry (including full-height storage) pairs with elegant stone countertops and a glossy designer tile backsplash for a clean, contemporary look. The oversized peninsula seats the whole crew beneath custom art-glass pendant lighting, all open to the living and dining areas. A striking spiral staircase leads to a spacious upper-level loft — a versatile bonus space with its own private bedroom retreat and a separate sitting area overlooking the great room and water views below. It's the perfect setup for guests, a home office, or a quiet escape. The generous primary suite is a true haven with vaulted ceilings, a custom built-in closet system, and a spacious en-suite bath. Additional bedrooms offer custom built-in closets, and both guest bathrooms have been tastefully renovated with modern vanities, crisp quartz countertops, undermount sinks, and designer fixtures. Inside laundry is included for effortless living. Boaters, this is the one: the unit includes a deeded boat slip with electric and water and direct canal access to Palma Sola Bay, which spills into Anna Maria Sound and the Gulf beyond. The Waterway community pampers residents with a heated pool, spa, clubhouse, kayak storage, and tennis courts. The HOA covers water, sewer, trash, cable, internet, and exterior insurance — so you can simply lock up and go. Minutes from the historic Cortez fishing village and just a short boat ride to the Starfish Company, with the sugar-sand beaches of Anna Maria Island, shopping, and dining all minutes away — this is coastal Florida living at its finest. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,988
Sqft
2.47 ac
Lot size
1
Garage
1982
Year built
Two
Levels
$301
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.
$5,121 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$5,121/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.
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
+28.9%
$/sqft vs Bradenton actives
$301 vs $251
Days on market
20 vs 53 typical
Where $301/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 Bradenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
BRADENTON 34210 — neighborhood snapshot
Population
17,301
Median age
56.3
Median income
$64,306
Median home value
$279,500
Avg household
2.09
Households w/ children
1,160
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)
196 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 200% above the BRADENTON 34210 median. See the full Bradenton market guide →
Paper trail
This home's history
Reality check
What actually sold near 9604 CORTEZ ROAD W UNIT 134
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$550,000
7621 HIGHGROVE AVENUE
3 bd · 2 ba · 1,984 sqft · $277/sqft · 134 DOM
Sold · Sep ’25$593,265
7625 HIGHGROVE AVENUE
3 bd · 2 ba · 1,984 sqft · $299/sqft · 44 DOM
Sold · Jun ’26$479,000
120 TIDY ISLAND BOULEVARD UNIT 120
3 bd · 2 ba · 1,950 sqft · $246/sqft · 70 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 9604 CORTEZ ROAD W UNIT 134 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9604 CORTEZ ROAD W UNIT 134 — 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
9604 CORTEZ ROAD W UNIT 134 FAQs
What would the monthly payment be for 9604 CORTEZ ROAD W UNIT 134?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,121/mo — principal and interest, the actual property-tax bill, the $1,378/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 9604 CORTEZ ROAD W UNIT 134?+
The association fee works out to $1,378 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9604 CORTEZ ROAD W UNIT 134?+
The most recent tax bill on record (2025) was $1,512. 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 9604 CORTEZ ROAD W UNIT 134?+
The listing reports pets: 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 $599,000, this home is listed about 51% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 9604 CORTEZ ROAD W UNIT 134?+
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
Three things that matter here
01Positioned at the premium end
$599,000 runs 200% above the BRADENTON 34210 median — but at 1,988 sqft it's also 25% larger than the typical Bradenton listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,378/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN DWELLINGS REALTY · Lorie Masry. MLS #A4699738.
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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