12909 Upper Manatee River Rd, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot31,848 sqft

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About this home

12909 Upper Manatee River Rd is a home in Waterways, Bradenton. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

EXCLUSIVE WATERFRONT DEVELOPMENT OPPORTUNITY: Attention Homebuyers; Waterfront Builders; and Custom Home Builders: Here is one of 5 total premium homesites now available and located along Upper Manatee River Road (UMRR). This parcel offers a unique combination of natural beauty, accessibility, and build-ready potential—an increasingly scarce find in today’s market. Property Highlights: • Direct frontage on Upper Manatee River Road • Direct frontage on Mill Creek (waterfront access with favorable mooring depths) • Heavily wooded parcel offering privacy and natural character • Excellent ingress and egress • Utilities nearby: water, electricity, and sewer • Select lots may support a septic systems • Navigable access from Mill Creek to: o Manatee River, Intracoastal Waterway, Anna Maria Island, and Gulf Beaches This property presents an exceptional and rare opportunity for custom waterfront home development in a region where buildable waterfront land is becoming increasingly limited each year. Key Advantages for Builders: • Strong demand for waterfront custom homes in Manatee & Sarasota Counties • Flexible building potential (with informed consideration of FEMA regulations and waterfront setbacks) • Attractive end-user appeal: boating access, privacy, and proximity to coastal destinations This is a first-come, first-served offering, with cash and conventional financing options available. If you are seeking your next standout project—or looking to secure premium waterfront inventory—this is an opportunity you won’t want to miss.

The essentials

On market
205 days
Annual tax
$1,119
Flood zone
AE
Lot
31,848 sqft
Type
Land

At a glance

Land
Waterfront
Brackish Water
0.73 acres
Lot size

Payment

Est. monthly payment
$1,750/mo
Down payment (20%)
$58,000
Property taxes
$93/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
31,848 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Brackish Water, Creek
Days on Market
205
Elementary
Gene Witt Elementary
Middle
Carlos E. Haile Middle
High
Parrish Community High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$1,119
Parcel #
537800659

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Waterways
County
Manatee
MLS Area
34212 - Bradenton
Lot Size
31,848 sqft
BuildableFire HydrantIn CountyIrregular LotLevelPavedWooded

Price history

Date
Event
Price
9/24/2026
Price change
Source: Stellar MLS #A4685803
$290,000-1.7%
3/26/2026
Listed for sale
Source: Stellar MLS #A4685803
$295,000

Neighborhood

12909 Upper Manatee River Rd
Bradenton, FL, 34212 · 34212 - Bradenton

Calculator

Est. monthly payment
$1,751/mo
Principal & interest$1,512
Property taxes$93
Insurance$145
Down payment20% · $58,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$290,000

Time on market

205 days

Monthly payment

About $1,750/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,119 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Have another question?

Brokered byALL BROKERS REALTY, INC.Listing agent: Broker Bob Grant JrListing data from Stellar MLS, MLS# A4685803.

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