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Less than nine minutes from Anna Maria Island, this private West Bradenton villa offers exceptional access to the beaches, dining and relaxed coastal character of the island, together with the added advantage of a Flood Zone X location. Priced below comparable homes to preserve a meaningful renovation budget, it offers the freedom to create a refined coastal residence without paying for someone else’s design choices.
The former flooring has already been removed from the main living areas and bedrooms, allowing the next owner to select the materials and finishes from the outset. The kitchen and baths are clean and functional, including a new quartz-topped vanity in the guest bath, while remaining ready to be reimagined in a style that feels entirely personal.
The single-level, two-bedroom, two-bath residence spans 1, 249 square feet and reflects the distinctive low-slung architecture of Pine Bay Forest. Two screened lanais extend the living space outdoors, including a secluded rear retreat framed by mature landscaping and complete privacy from neighboring homes.
Set across 22 wooded acres near Robinson Preserve and Palma Sola Bay, the community is defined by canopied oaks, tropical gardens and one-story residences. Private walking trails wind through the grounds, leading to a waterfront observation deck overlooking Palma Sola Bay—an inviting setting for sunsets, coastal breezes and quiet moments by the water. Residents also enjoy a pool, tennis, pickleball and shuffleboard.
For the buyer drawn to Anna Maria Island, architectural character and the freedom to renovate with intention, this is a rare combination of location, privacy and value.
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Our Executive Mortgage Banker:
Our Insurance Division:
$235,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $188,000 | $188,000 | $188,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.650% | 5.972% |
| Monthly Tax Payment | $227 | $227 | $227 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,142 | $1,188 | $1,561 |
| Total Monthly Payment | $1,444 | $1,490 | $1,863 |
* 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.