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4603 103rd St W, Bradenton, FL, 34210

2beds
2baths
1,236sqft
$429,500
$347price/sqft
$3,075/moest. monthly cost
$123,000/yrincome needed

About This Home

Come see this charming coastal retreat on a colorful Bay-view street near Cortez! This 2-bedroom, 2-bath home offers the perfect blend of comfort, style, and location—just a few short miles from the beach. Step inside to find tile floors throughout, a newly renovated kitchen, and two fresh, modern bathrooms. The kitchen shines with 42-inch soft-close shaker cabinets, quartz countertops, and plenty of workspace for cooking or entertaining. Both bathrooms feature step-in showers, shaker cabinetry, quartz counters, and ample storage. With a living room plus a family room, all painted in breezy coastal colors, there’s space to relax and spread out. From several spots in the home—and especially from the large front and rear patios—you’ll enjoy peek-a-boo views of Sarasota Bay. Picture yourself sipping an evening cocktail on the front patio while the sun sets, or strolling down Bayview Drive to take in the sights over Sarasota Bay and Longboat Pass. Practical updates make this home move-in ready: double-paned impact windows, plantation blinds, ceiling fans, and an HVAC system and water Heater replaced in summer 2025. The metal roof (2012) provides long-lasting durability. An interior laundry and storage room, plus a spacious shed with electricity (contents included), add everyday convenience. Less then 2 miles from the sandy beaches of Anna Maria Island, beat the traffic or ride your bike! Whether you’re looking for a winter getaway, a full-time residence, or an investment property, this home offers it all—steps from the bay and minutes to the beach. Don’t miss this charming retreat!

Getting Around

34
WalkingCar-Dependent
20
TransitMinimal Transit
61
BikeBikeable

Schools

3/10
1/10
W. D. Sugg Middle SchoolGrades 6-83.0 mi
2/10
Bayshore High SchoolGrades 9-124.6 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1958

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave
  • Laundry features: Electric Dryer Hookup,Laundry Room,Washer Hookup

Bedroom2

  • Features: No Closet
  • Level: First
  • Area: 111.15
  • Dimensions: 11.7x9.5

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Primary Bedroom Main Floor
  • Door features: Outdoor Shower
  • Window features: Double Pane Windows,Window Treatments
  • Flooring: Tile

Great Room

  • Features: Built-in Closet
  • Level: First
  • Area: 308.55
  • Dimensions: 18.7x16.5

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,490
  • Total interior livable area: 1,236 sqft

Kitchen

  • Features: Stone Counters
  • Level: First
  • Area: 136.5
  • Dimensions: 9.1x15

Living Room

  • Features: Coat Closet
  • Level: First
  • Area: 179.47
  • Dimensions: 13.7x13.1

Primary Bedroom

  • Features: Built-in Closet
  • Level: First
  • Area: 101.01
  • Dimensions: 9.1x11.1

Property

Details

  • Parcel number: 7597100002
  • Zoning: RSF6
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Rear Porch
  • Exterior features: Outdoor Shower,Private Mailbox
  • Has view: Yes
  • View description: Water,Gulf/Ocean to Bay
  • Has water view: Yes
  • Water view: Water,Gulf/Ocean to Bay

Lot

  • Lot size: 7,200 sqft
  • Lot size dimensions: 60 x 120

Parking

  • Total spaces: 1
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Manatee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,171$26,052
Home Insurance *$118$1,416
Property Taxes $589$7,068
Electricity $197$2,366
Total$3,075$36,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$105,428/yr
40% on housing$92,250/yr
45% on housing$82,000/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 34210$291
Manatee County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 34210$289
Manatee County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-18Price change$439,500
2026-02-20Price change$449,500
2025-12-23Price change$465,000
2025-10-03Listed for sale$485,000
2017-11-09Sold$225,000
2011-04-08Sold$120,000
2010-07-17Listing removed$179,900
2010-05-01Price change$179,900
2010-03-28Listed for sale$215,000
2004-09-17Sold$165,000
1998-04-07Sold$85,000

For Sale by Agent

AgentErin Fleming
BrokerageFINE PROPERTIES

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