Elizabeth Elliott
$695,000$749,0003 bd3 ba1,664 sqft$418 /sqft$5,509 /mo all-in ↓

395 ARUBA CIRCLE UNIT 303, BRADENTON, FL, 34209

Active189 days on marketListed Jan 28, 2026MLS #A4679886

Reduced $54KCondominiumMARINA WALK ON ONE PARTICULAR HARBOUR 2

About this home

395 ARUBA CIRCLE UNIT 303

Virtually Staged. PRICE IMRPOVEMENT and new, reduced condo fees! Welcome home to Harbour Isle, where refined coastal living meets effortless luxury. This rare end-unit condominium offers complete privacy, with no adjacent buildings and unobstructed, tranquil lake and Preserve views. Never rented and meticulously maintained by the original owner, this home is being sold partially furnished and feels like new while boasting over $40,000 in premium builder upgrades. The custom Oceana floorplan features dual primary suites with a split design, providing privacy for hosts and guests alike. The open layout offers ample space for entertaining or utilizing as a short- or long-term rental. The spacious kitchen features stainless steel appliances, solid wood cabinets, stone countertops, and thoughtful designer touches. Owner enhancements include upgraded LED lighting throughout and Smart features, including network cameras with no subscription required. Hurricane-rated triple sliding glass doors seamlessly open the living area to the lanai, creating the perfect space for entertaining family and friends in comfort, complete with new no-see-um tight specialized screening. Convenience and security are built in, with covered under-building parking, a private storage unit, and 24-hour virtual guarded gate. Designed for those who value exclusivity and ease, the private, resort-style community is anchored by the spectacular 23,000-square-foot Beach Club overlooking Anna Maria Sound. The waterfront Sky Bar, on-site dining, resort style pool and spa, private beach, and kayak launch create your own coastal retreat, steps from home. Residents enjoy four beautifully designed pools, state-of-the-art fitness center and sauna, fire pits, grilling areas, hammock park, lakeside swings, and miles of scenic walking and biking trails. Surrounded by nature, Harbour Isle sits steps from Neal Preserve and minutes from Robinson Preserve for kayaking, trails, and birdwatching. Just beyond the gates, enjoy the Margaritaville-inspired Compass Hotel, Floridays Tiki Restaurant, Compass Bar & Chill, and marina access at Pier 77, offering wet and dry storage, Gulf access, and Freedom Boat Club. Located 1-2 miles from the pristine beaches, local shops, and dining of Anna Maria Island, Harbour Isle offers a rare blend of privacy, convenience, and resort-level amenities. This is more than a home, it is a lifestyle investment in exclusive coastal living, ideal for full-time residents, seasonal owners, or investors seeking income-producing potential. Schedule your private tour today.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,664

Sqft

0 ac

Lot size

2016

Year built

One

Levels

$418

Per sqft

Water viewPartiallyPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedPartially

Outside & construction

RoofBuilt-Up · Other
ConstructionBlock · Stucco
FoundationBlock
ViewWater
FacesWest
ParkingAssigned · Covered · Ground Level · Guest · Under Building
ExteriorPrivate Mailbox · Sidewalk · Sliding Doors · Storage

Community & fees

HOA fee$418/mo
Taxes (2025)$11,041/yr
PetsYes
CommunityBay/Harbor Front · Intracoastal Waterway · Marina · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - Guard · Playground · Pool · Restaurant · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Fire Hydrant · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

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

$5,509 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,750
PMI (est., until 20% equity)$261
Property tax — 2025 actual bill$920
Condo fee — from the listing$418
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,500Loan30-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% · $69,500
Interest rate6.00%
Loan term

Estimated payment

$5,509/mo

Principal & interest$3,750
PMI (est., until 20% equity)$261
Property taxes (actual bill)$920
HOA / condo fee$418
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 $695K
$667KedgeAI estimate $735,528 · range $714K$789K$821K

vs edgeAI estimate

−5.5%

$/sqft vs Bradenton actives

$418 vs $248

Days on market

189 vs 55 typical

Where $418/sqft sits among the 400 Bradenton actives

107
105
85
48
22 · this home
33
$125–191$191–256$256–322$322–388$388–453$453+

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 395 ARUBA CIRCLE UNIT 303 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 marketLeans seller4.1 months of inventoryBuyer’s market

$395K$421K

Bradenton median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

213 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 162% above the BRADENTON 34209 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $695,000 $54K
Jan 28, 2026Listed at $749,000 · 189 days on market since
2016Built · MARINA WALK ON ONE PARTICULAR HARBOUR 2

Reality check

What actually sold near 395 ARUBA CIRCLE UNIT 303

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

391 ARUBA CIRCLE UNIT 303Sold · Jan ’26

$680,000

391 ARUBA CIRCLE UNIT 303 · same community

3 bd · 3 ba · 1,664 sqft · $409/sqft · 16 DOM

388 ARUBA CIRCLE UNIT 103Sold · Mar ’26

$755,000

388 ARUBA CIRCLE UNIT 103 · same community

3 bd · 3 ba · 1,664 sqft · $454/sqft · 177 DOM

387 ARUBA CIRCLE UNIT 301Sold · Jul ’26

$624,000

387 ARUBA CIRCLE UNIT 301 · same community

2 bd · 2 ba · 1,456 sqft · $429/sqft · 312 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.

Elizabeth Elliott

Your agent

Elizabeth Elliott

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 395 ARUBA CIRCLE UNIT 303 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 395 ARUBA CIRCLE UNIT 303 — before you fall in love.

See it in person

Schedule a tour

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

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Goes straight to Elizabeth’s phone and CRM.

Straight answers

395 ARUBA CIRCLE UNIT 303 FAQs

What would the monthly payment be for 395 ARUBA CIRCLE UNIT 303?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,509/mo — principal and interest, the actual property-tax bill, the $418/mo association fee 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.

How much are the HOA fees at 395 ARUBA CIRCLE UNIT 303?+

The association fee works out to $418 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 395 ARUBA CIRCLE UNIT 303?+

The most recent tax bill on record (2025) was $11,041. 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 395 ARUBA CIRCLE UNIT 303?+

The listing reports pets: Yes. 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 $695,000, this home is listed about 78% above the Bradenton median of $389,850. The market section on this page shows how the area is trending.

Which schools are assigned to 395 ARUBA CIRCLE UNIT 303?+

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

Five things that matter here

01Positioned at the premium end

$695,000 runs 162% above the BRADENTON 34209 median.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

189 days on market against a Bradenton median of 55 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $749,000, now $695,000 — a $54K cut. The full history is in the market section below.

Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Amy Royall. MLS #A4679886.

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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