Jessica Torres
$745,000$750,0003 bd3 ba1,664 sqft$448 /sqft$5,490 /mo all-in ↓

392 ARUBA CIRCLE UNIT 102, BRADENTON, FL, 34209

Active79 days on marketListed May 7, 2026MLS #A4692888

Reduced $5KWaterfrontCondominiumMARINA WALK ON ONE PARTICULAR HARBOUR

About this home

392 ARUBA CIRCLE UNIT 102

WESTERN-FACING SOUND VIEW | TURNKEY FURNISHED | ELEVATED FIRST-FLOOR LIVING Wake up to sparkling water views, dolphins gliding through the Sound, and Ospreys soaring overhead—an ever-changing coastal backdrop that never loses its magic. Perfectly suited as a luxurious second home with the added benefit of rental income potential to help offset carrying costs, this beautifully appointed residence offers the ideal blend of personal escape and smart investment. Located within the sought-after gated community of Marina Walk on One Particular Harbour in Harbour Isle, this residence embodies effortless resort-style living just moments from the world-renowned beaches of Anna Maria Island. Hop on your bike and have your toes in the sugar-white sand and turquoise Gulf waters within minutes. Positioned on the elevated first floor, this unit offers the convenience of easy access while still capturing breathtaking western-facing water views across Anna Maria Sound. From the private screened lanai, enjoy front-row seats to spectacular sunsets, passing boats, playful dolphins, and the tranquil beauty of the mangroves and Intracoastal waters beyond. The elevated vantage point creates a uniquely immersive connection to the surrounding wildlife and coastal scenery, while maintaining privacy and expansive water views. Inside, the open-concept floorplan is designed for relaxed coastal living and effortless entertaining. The kitchen flows seamlessly into the spacious living area, where soaring ceilings and walls of glass sliders create a bright, airy atmosphere and blur the line between indoors and out. Open the sliders and enjoy warm Gulf breezes as the sights and sounds of the waterfront become part of everyday life. Each of the three bedrooms and bathrooms is thoughtfully designed with comfort and style in mind, creating a welcoming retreat for both owners and guests alike. Offered turnkey furnished, the residence is ready for immediate enjoyment, with fresh paint and new carpet in the bedrooms. Residents of One Particular Harbour enjoy access to an exceptional array of amenities, including four resort-style pools, a state-of-the-art waterfront fitness center, kayak launches, walking trails, planned social activities, and the spectacular Beach Club overlooking Anna Maria Sound with its waterfront dining, Sky Bar, and unforgettable sunset views. For boating enthusiasts, the adjoining marina offers wet and dry storage with direct deep-water access to the Gulf of Mexico, while the onsite Freedom Boat Club provides effortless boating access without the responsibilities of ownership. With the Compass Hotel Bar & Chill and Floridays Woodfire Grill & Bar onsite, residents enjoy multiple dining options without ever leaving the community. Beyond the beaches, Anna Maria Island offers the quintessential coastal lifestyle with waterfront restaurants, boutique shopping, fishing piers, live music, and charming Old Florida character. Spend your days exploring Pine Avenue, dining on fresh local seafood, or cruising the island by bike or golf cart while soaking in the laid-back island atmosphere that makes AMI one of the Gulf Coast’s most treasured destinations. Whether seeking a refined coastal retreat, a flexible vacation property with income potential, or simply a place where every day feels like an escape, this exceptional residence delivers the ultimate Florida waterfront lifestyle. Paradise truly awaits.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,664

Sqft

2017

Year built

One

Levels

$448

Per sqft

WaterfrontWater viewTurnkey

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingElectric
FurnishedTurnkey

Outside & construction

RoofMetal · Tile
ConstructionBrick · Concrete · Stucco
FoundationStilt/On Piling
ViewWater
FacesEast
ParkingAssigned · Covered · Golf Cart Parking · Guest · On Street · Under Building
ExteriorBalcony · Sliding Doors · Storage

Community & fees

Taxes (2025)$12,362/yr
PetsNumber Limit
CommunityBay/Harbor Front · Gulf/Ocean Front · Intracoastal Waterway · Marina · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Fitness Center · Gated Community - Guard · Golf Carts OK · Handicap Modified · Playground · Pool · Restaurant · Sidewalks · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Sewer Connected · Street Lights · Underground Utilities · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,490 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,020
PMI (est., until 20% equity)$279
Property tax — 2025 actual bill$1,030
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $74,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $74,500
Interest rate6.00%
Loan term

Estimated payment

$5,490/mo

Principal & interest$4,020
PMI (est., until 20% equity)$279
Property taxes (actual bill)$1,030
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $745K
$710KedgeAI estimate $756,546 · range $740K$799K$831K

vs edgeAI estimate

−1.5%

$/sqft vs Bradenton actives

$448 vs $236

Days on market

79 vs 53 typical

Where $448/sqft sits among the 400 Bradenton actives

105
102
81
47
24
41 · this home
$122–180$180–238$238–296$296–354$354–412$412+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Perico

Map of 392 ARUBA CIRCLE UNIT 102 inside its neighborhood boundary

Drive times from this address

Downtown Tampa63 min
Tampa Int’l Airport (TPA)66 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Bradenton. See the full Bradenton guide →

Perico — neighborhood snapshot

Population

1,539

Median age

70

Median income

$86,042

Median home value

$527,300

Avg household

2

Households w/ children

43%

For the school run

Manatee County School District

ElementaryIda M. Stewart Elementary School★★★★★
MiddleMartha B. King Middle School★★★★★
HighManatee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bradenton market

Seller’s marketBalanced5.4 months of inventoryBuyer’s market

$410K$424K

Bradenton median sold, yr/yr

95.7%

Sale-to-list ratio (12 mo)

193 of 400

Bradenton actives have cut their price

Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 187% above the BRADENTON 34209 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $745,000 $5K
May 7, 2026Listed at $750,000 · 79 days on market since
2017Built · MARINA WALK ON ONE PARTICULAR HARBOUR

Reality check

What actually sold near 392 ARUBA CIRCLE UNIT 102

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

396 ARUBA CIRCLE UNIT 302Sold · Apr ’26

$800,000

396 ARUBA CIRCLE UNIT 302 · same community

3 bd · 3 ba · 1,664 sqft · $481/sqft · 379 DOM

379 ARUBA CIRCLE UNIT 202Sold · Nov ’25

$655,000

379 ARUBA CIRCLE UNIT 202 · same community

3 bd · 3 ba · 1,664 sqft · $394/sqft · 45 DOM

395 ARUBA CIRCLE UNIT 102Sold · Jun ’26

$650,000

395 ARUBA CIRCLE UNIT 102 · same community

3 bd · 3 ba · 1,664 sqft · $391/sqft · 12 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Jessica Torres

Your agent

Jessica Torres

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 392 ARUBA CIRCLE UNIT 102 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 392 ARUBA CIRCLE UNIT 102 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Jessica's phone and CRM.

Goes straight to Jessica’s phone and CRM.

Straight answers

392 ARUBA CIRCLE UNIT 102 FAQs

What would the monthly payment be for 392 ARUBA CIRCLE UNIT 102?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,490/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 392 ARUBA CIRCLE UNIT 102?+

The most recent tax bill on record (2025) was $12,362. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 392 ARUBA CIRCLE UNIT 102?+

The listing reports pets: Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Bradenton?+

At $745,000, this home is listed about 88% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 392 ARUBA CIRCLE UNIT 102?+

Ida M. Stewart Elementary School (elementary), Martha B. King Middle School (middle), Manatee High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$745,000 runs 187% above the BRADENTON 34209 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Ida M. Stewart Elementary School, Martha B. King Middle School, Manatee High School — Ida M. Stewart Elementary School rates 5 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $750,000, now $745,000 — a $5K cut. The full history is in the market section below.

Listing courtesy of RE/MAX ALLIANCE GROUP · Jo-Lee Mansfield. MLS #A4692888.

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 is deemed reliable but is not guaranteed accurate by Stellar MLS.

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