3980 IRONWOOD CIRCLE, #404, Bradenton, FL, 34209 | $172,000

Welcome to a FULLY FUNDED community where your budget stays on track—zero fee increases for the THIRD year in a row! Nearly 1, 000 square feet of elevated living—this isn’t your average 1-bedroom. As a top-floor gem featuring the rare luxury of TWO full bathrooms, this home offers the kind of scale and utility usually reserved for a two-bedroom. The eat-in kitchen and open-concept living area flow seamlessly toward serene views of the pool below—perfect for those who love to host. The expansive primary bedroom, featuring its own dedicated bath and a massive walk-in closet, provides the ultimate sense of privacy and space. PLUS, enjoy the convenience of a dedicated laundry room inside your unit! The lifestyle here is truly turn-key, this unit comes furnished; your condo fee covers water, sewer, trash, cable TV, and high-speed internet, along with pool access and exterior maintenance. Located in a sought-after golf community where membership is entirely optional. Nestled in the heart of Bradenton, you’re just SIX MILES from pristine sandy beaches and breathtaking sunsets. Minutes from top restaurants, shopping, golf, parks, SRQ airport, and more! No CDD fees in this community! Don’t wait—opportunities like this vanish fast. Act now before it’s gone! The Arbors at Pinebrook is a fully funded reserve community for both Structural Integrity and Capital components. No current or upcoming special assessments. Unit updates: Primary and hall bath updated; Updated ceramic tile; New A/C: 2022; Primary shower PVC P-trap replacement: 2022; Lanai Rescreen: 2025; Popcorn ceilings removed. Community updates: New roofs, elevators, stack pipe linings: 2023/2024; New pool deck and heater 2025.

Features

  • Elevator: Y
  • Heating: Central
  • Cooling: Central Air
  • Levels: 4
  • Rooms: 5
  • Bedrooms: 1
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Complex: THE ARBORS AT PINEBROOK PH II
  • Year Built: 1994
  • Approx Sq. Feet: 998
  • Acreage: 2.18
  • Est. Taxes: $2,804
  • Condo Fee: $529 Monthly
  • View: Pool
  • Pet Policy: Cats OK, Dogs OK, Number Limit
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4682675
  • Days on Market: 27 days
  • Website: https://www.raveis.com
    /prop/A4682675/3980ironwoodcircle_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 5/15/2026 7:47:08 PM)
Listing courtesy of HOMESMART   Phone: 407-476-0461

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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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305.922.5393

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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3980 IRONWOOD CIRCLE, #404, Bradenton, FL, 34209

$172,000

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 $137,600 $137,600 $137,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.625% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.133% 6.739% 5.952%
Monthly Tax Payment $234 $234 $234
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $792 $881 $1,143
Total Monthly Payment $1,101 $1,190 $1,452

* 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.