Beds
3
Baths
2
Sq Ft
1,813 sq ft
Year Built
2004
Lot Size
0.19 acres
Garage
2
About This Property
Escape to your private sanctuary! Featuring 78 feet of waterfront, this beautiful retreat offers tranquil water views, a wooded backdrop, and your own heated pool for an inviting Florida lifestyle. A brand-new roof installed in September 2026 adds peace of mind. Located in sought-after Oak Trace, this three-bedroom, two-bath home captures beautiful water and nature views from nearly every room. Step onto the spacious lanai, complete with new screens, and take in panoramic views of the water and surrounding trees. Whether enjoying your morning coffee, dining outdoors, or relaxing in the heated pool with an automatic water-leveling system, this peaceful setting makes every day feel like a getaway. Inside, soaring vaulted ceilings and stylish luxury vinyl plank flooring enhance the coastal contemporary design. The thoughtfully arranged split floor plan offers privacy, while three sets of sliding glass doors connect the interior to the inviting outdoor living space. The well-appointed kitchen features solid 42-inch cabinetry, ample storage, a pantry, a convenient breakfast bar, and a charming café nook. Retreat to the spacious primary suite, featuring two walk-in closets and an en suite bath with two new sinks, a walk-in shower, a Jacuzzi soaking tub, and a private water closet. Enjoy the peaceful surroundings of Oak Trace with low HOA fees of just $51 per month and convenient access to I-75, UTC shopping and dining, Gulf beaches, and St. Petersburg. Come experience the views, unwind by the pool, and make this private sanctuary your own!
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Directions: From I-75, take Exit 217 and head west on SR-70. Turn right onto US-301 N, right onto 38th Avenue E, and right onto 33rd Street E into Oak Trace. Turn left onto 38th Terrace E, right onto 34th Street E, then left onto 40th Terrace E. The property will be on the right.
Location
3439 40TH TERRACE E, BRADENTON, FL 34208
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$489,900
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $489,900 home in BRADENTON.
🏛️
FHA Loan
$17,147 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$24,495 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Manatee County SHIP
Varies
Income-qualifying Manatee residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: November 2, 2026.