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About this home
4431 Fern Dr is a 1995-built home in Fernwood, Bradenton. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,538 square feet of living space. Listed at $369,000 (about $240/sqft), 117 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. Condo dues run $150 monthly.
Virtually Staged. It’s rare to find a home that gives you this much space, flexibility, privacy, and value—especially with ownership costs this low—making it perfect for Snowbirds or full-time residents. Tucked into a small, intimate community of just 31 land-owned condos that live much more like single-family homes, this beautifully maintained 55+ residence offers a relaxed Florida lifestyle without the big HOA price tag. The association fee is just $150/month, with no CDD fees, and includes lawn care and irrigation. From the moment you walk in, the home feels bright, open, and welcoming. The vaulted main living area is filled with natural light from two solar tube skylights, creating a warm, airy space that feels even larger than it is. The kitchen is designed for real life, with generous cabinetry, granite countertops, and plenty of storage. Luxury vinyl plank and tile flooring run throughout the home, while the Florida room adds another comfortable, low-maintenance space with durable vinyl flooring. And then there’s the flexibility. A bonus room gives you extra space to use however you want, while the private office retreat just off the primary suite offers something truly special. With double pocket doors, bay windows, and direct access to the patio, it’s the perfect spot for working from home, enjoying a hobby, reading with a cup of coffee, or simply having a quiet place of your own. The spacious primary suite features two closets and an updated ensuite bath with dual sinks, granite countertops, a linen closet, and a large Bath Fitter shower. On the opposite side of the home, the split-bedroom layout gives guests their own private space. A pocket door can close off the secondary bedroom and bath to create a comfortable ensuite-style guest wing, and the bedroom even includes a Murphy bed. Best of all, many of the expensive updates are already done. The roof was replaced in 2016, hurricane impact-rated windows and doors were installed in 2018, the AC was replaced in 2021, and the water heater was replaced in 2023. The interior has also been freshly painted. You’ll find thoughtful extras throughout, including Alexa-enabled smart lighting, Ring security cameras, and a garage with additional storage and a built-in workbench. If you want even more amenities, an optional affiliate membership at River Isles is available for just $180 per quarter, with access to the community pool, clubhouse, fitness center, library, game room, and shuffleboard courts. Golf lovers can also enjoy an annual River Isles Golf Club membership for $663.40. This is more than just a home—it’s a place that gives you room to live the way you want, with the updates, flexibility, and low monthly costs that make Florida living easier. Come take a look. You may walk in and realize you’ve found exactly what you’ve been waiting for.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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Sample: 16 closed condo sales in 34208 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. 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
$369,000
$240 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,538 sq ft
Time on market
117 days
Year built
1995
Monthly payment
About $2,452/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,317 annual tax bill, insurance, and $150/mo in condo dues.
Condo dues
$150/mo
Managed by Trust Point Management Group / TJ Evans.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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