3608 JOYCE DRIVE, Bradenton, FL, 34208 | $210,000

Under contract-accepting backup offers. One or more photo(s) has been virtually staged. BACK ON MARKET WITH GREAT NEW PRICE FAR BELOW MARKET!!! SPECTACULAR WATER VIEWS in River Isles – A Vibrant 55+ Community Offering the Best of Florida Living! Unbelievably low HOA fees with amazing amenities! THIS PROPERTY QUALIFIES FOR A 1% LENDER INCENTIVE IF USING PREFERRED LENDER! Discover River Isles, one of Bradenton’s premier deed-restricted communities for active adults aged 55 and better. This charming two-bedroom, one-bath home blends comfort, scenic views, and thoughtful design in a neighborhood filled with opportunity for recreation, connection, and relaxation. As you approach, you’re greeted by a screened front porch - a perfect spot to unwind. Step inside to find a bright, open interior with a warm and airy atmosphere. The spacious bonus room, featuring expansive windows overlooking the serene Braden River, connects seamlessly to both an enclosed lanai and a side-screened porch. Whether you’re entertaining guests or simply enjoying a quiet moment, this flexible space is designed for effortless indoor-outdoor living. The galley kitchen offers ample cabinetry, a convenient pass-through to the bonus room, and everything needed to host with ease. Imagine sipping your morning coffee on the lanai with tranquil water views or basking in the Florida sunshine on your private back deck, surrounded by a fenced yard. The one-car garage adds functionality with a utility sink, washer/dryer hookups, and an additional refrigerator.
Key Updates Include: Tile roof (2007), AC system (2020), Updated water-facing windows (2018)

River Isles isn’t just a place to live - it’s a lifestyle. The recently renovated clubhouse offers a temperature-controlled pool, fitness center, library, pool table, ping pong, and a wide array of social activities. Join weekly shuffleboard games, Friday night Bingo, card groups, aerobics classes, pancake breakfasts, and live entertainment, including concerts and plays. Golf enthusiasts will enjoy the resident-owned, professionally maintained 9-hole executive golf course (membership optional), offering an affordable and accessible way to play year-round. The neighborhood is also a Bradenton Police Certified Neighborhood Watch Community, with a Volunteer Security Patrol Program, promoting a safe, friendly, and welcoming environment. Conveniently Located, River Isles offers easy access to shopping, dining, healthcare, and cultural attractions. Manatee Avenue, I-75, and Bradenton Beach are just minutes away, giving you the best of both convenience and coastal living.

Features

  • Amenities: Clubhouse, Fitness Center, Golf Course, Pool, Shuffleboard Court
  • Rooms: 7
  • Bedrooms: 2
  • Baths: 1 full
  • Laundry: In Garage
  • Year Built: 1973
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,480
  • Acreage: 0.15
  • Est. Taxes: $4,150
  • HOA Fee: $60 Monthly
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range Hood, Refrigerator
  • MLS#: A4635241
  • Days on Market: 317 days
  • Website: https://www.raveis.com
    /prop/A4635241/3608joycedrive_bradenton_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/24/2026 4:37:12 AM)
Listing courtesy of KELLER WILLIAMS CLASSIC GROUP   Phone: 941-900-4151

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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3608 JOYCE DRIVE, Bradenton, FL, 34208

$210,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $168,000 $168,000 $168,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.161% 6.120% 5.541%
Monthly Tax Payment $346 $346 $346
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $941 $1,006 $1,351
Total Monthly Payment $1,362 $1,427 $1,772

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.