304 42nd St W · West Bradenton, FL 34209

$350,000

3 bd · 3.0 ba · 2,035 sqft · SingleFamily public records · 43 Days on market

Built 1957 9,374 sqft lot Est $458k · 24% under

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +20.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +4.6/10.0
• Schools +4.4/10.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fabulous West Bradenton three bedroom, three bath home with over 2,700 sq ft under roof. Large living room for entertaining, you’ll love the cedar lined closets and the size of the bedrooms! The kitchen has plenty of solid wood cabinets and newer appliances. Built in wall to wall bookcase in the family room, which leads out thru the sliding glass door to the covered patio and fenced back yard. Laundry room and storage room are located off the kitchen. The location is superb! Schools, shopping and dining just blocks away and short distant to the gorgeous beaches of Anna Maria Island! Don’t let this gem get away! Seller is providing a one-year home warranty.

Key facts

• Solid wood cabinetry
• Cedar lined closets
• Built in bookcase

Tags

• LARGE LIVING ROOM
• CEDAR LINED CLOSETS
• SOLID WOOD CABINETRY
• BUILT IN BOOKCASE
• COVERED PATIO
• FENCED BACKYARD

Property features AI

Finance

• Other: Unfurnished; Total acreage: less than 1/4 acre (approximately 0.22 acres, lot 75x125); Living area about 2,035 sq ft; total building area about 2,761 sq ft; Directions: East on Manatee to 43rd Street, right on 2nd Ave, right on 42nd St, home is on the right
• HOA & community: No association fees; Pets allowed

Exterior

• Parking: Circular driveway; Driveway; 1-car carport
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single family residence; One story; Faces east; Homestead property
• Construction: Block construction; Shingle roof; Slab foundation; Built as one-level
• Exterior features: Covered patio; Patio; Porch; Chain link and wood fencing; City limits lot; Paved lot; Asphalt road

Interior

• Kitchen: Cooktop; Dishwasher; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Laminate
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Solid wood cabinets
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $350k.

Deal economics

• At list price, monthly cash flow is $435 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $336k (4.0% below list).
• Recommended offer: $336k (4.0% below list) — sets the bar for 1% rule.
• Cap rate 7.8% vs local median 3.4% in West Bradenton — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 72/100 on livability (#335 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment A-; Watch: schools F, amenities F, commute F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents soft (-0.3%/yr); 510 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• At $3,359/mo this rent would consume 49% of the median local household income ($82k/yr) (locally 1126% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($340k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 13y ago; this cycle's ask has dropped $49k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $240k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 5→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $335,874 (4.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.96% ✗
• Cap rate: 7.78%
• Cash-on-cash: 5.33%
• DSCR: 1.24
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $457,875
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
303 45th St W	0.15mi	3/2.0	1,831 (-10%)	10mo	$412,000	$225	64
316 30th St W	0.70mi	3/3.0	2,062 (+1%)	3mo	$700,000	$339	63
425 46th St NW	0.41mi	4/2.0 (+1)	2,116 (+4%)	8mo	$608,000	$287	58
4907 4th Avenue Cir NW	0.55mi	3/2.0	2,099 (+3%)	8mo	$445,000	$212	58
217 46th St W	0.21mi	4/2.0 (+1)	2,209 (+9%)	12mo	$425,000	$192	58
3209 2nd Ave W	0.56mi	3/2.0	2,101 (+3%)	10mo	$526,000	$250	56
406 49th St	0.53mi	3/2.0	2,228 (+10%)	1mo	$215,000	$96	55
5403 2nd Ave W	0.74mi	3/3.0	2,087 (+3%)	10mo	$455,000	$218	53
719 35th St W	0.55mi	4/2.0 (+1)	1,891 (-7%)	4mo	$400,000	$212	50
3606 7th Ave W	0.45mi	4/3.0 (+1)	1,835 (-10%)	10mo	$550,000	$300	50
5206 6th Avenue Dr W	0.66mi	3/2.0	1,810 (-11%)	2mo	$362,500	$200	45
522 31st St W	0.67mi	4/2.0 (+1)	2,171 (+7%)	11mo	$700,000	$322	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -11.2%
• Equity multiple: 0.60×
• Total profit: $-38,914
• Equity at exit: $52,186

10-year hold

• IRR: -6.7%
• Equity multiple: 0.63×
• Total profit: $-36,530
• Equity at exit: $30,262

Cash invested: $98,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34209

• Rents YoY: -0.3%
• Active inventory: 510
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $3,359 high
• Mortgage (P&I): −$1,835
• Tax from tax record: −$237 /mo · $2,843/yr
• Insurance: −$146
• HOA: −$0
• Vacancy / Maint / Mgmt: −$705
• Net cashflow: $435

Break-even live

Break-even rent $2,808

Max offer price $350,000

Occupancy floor 82%

Sensitivity live

Price	-10% $633	-5% $534	+0% $435	+5% $336	+10% $237
Rent	-10% $170	-5% $303	+0% $435	+5% $568	+10% $701
Rate	-1.0pp $611	-0.5pp $524	base $435	+0.5pp $344	+1.0pp $252

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $87,500
• Closing costs: $10,500
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4815 3rd Ave NW Bradenton, FL	3.0	2.0	1510	$3,600	$2.38	19d	1	0.47mi
109 53rd St W Bradenton, FL	3.0	2.5	1492	$2,700	$1.81	24d	1	0.67mi
3807 16th Ave W Bradenton, FL	3.0	2.0	1491	$2,100	$1.41	24d	1	0.89mi
5111 13th Avenue Dr W Bradenton, FL	3.0	2.0	1778	$3,700	$2.08	24d	1	0.92mi
4215 18th Avenue Dr W Bradenton, FL	4.0	2.0	2031	$2,995	$1.47	11d	1	1.03mi
4904 19th Ave W Bradenton, FL	3.0	2.0	1762	$4,000	$2.27	15d	1	1.12mi
5911 7th Avenue Dr W Bradenton, FL	3.0	2.0	1684	$2,595	$1.54	24d	1	1.15mi
3301 19th Ave W Bradenton, FL	4.0	2.0	1750	$7,200	$4.11	24d	1	1.17mi
1417 27th St W Bradenton, FL	3.0	2.0	2800	$2,800	$1.00	21d	1	1.19mi
520 22nd St W Unit 1071597P Bradenton, FL	3.0	2.0	1582	$4,235	$2.68	2d	1	1.21mi
5004 22nd Ave W Bradenton, FL	3.0	2.0	1577	$2,500	$1.59	3d	1	1.31mi
6108 10th Ave W Bradenton, FL	3.0	2.0	1534	$7,000	$4.56	24d	1	1.33mi
3109 22nd Ave W Bradenton, FL	3.0	2.0	1509	$2,541	$1.68	12d	1	1.39mi
1214 21st St W Bradenton, FL	3.0	3.0	1841	$4,300	$2.34	24d	1	1.41mi
6618 7th Ave Cir W #1404 Bradenton, FL	2.0	2.0	1440	$3,400	$2.36	24d	1	1.48mi

Listing history 26 events

1. 2026-06-18
   status $350,000 Pending 43 DOM
2. 2026-06-18
   days on market $350,000 Active 43 DOM
3. 2026-06-17
   days on market $350,000 Active 42 DOM
4. 2026-06-16
   days on market $350,000 Active 41 DOM
5. 2026-06-15
   price $350,000 Active 40 DOM
6. 2026-06-15
   days on market $375,000 Active 40 DOM
7. 2026-06-13
   days on market $375,000 Active 38 DOM
8. 2026-06-13
   days on market $375,000 Active 37 DOM
9. 2026-06-10
   days on market $375,000 Active 35 DOM
10. 2026-06-09
    days on market $375,000 Active 34 DOM
11. 2026-06-08
    pricedays on market $375,000 Active 33 DOM
12. 2026-06-08
    days on market $385,000 Active 32 DOM
13. 2026-06-03
    days on market $385,000 Active 28 DOM
14. 2026-06-02
    days on market $385,000 Active 27 DOM
15. 2026-06-01
    days on market $385,000 Active 26 DOM
16. 2026-05-31
    days on market $385,000 Active 25 DOM
17. 2026-05-06
    listed $399,000 Active
18. 2017-10-25
    soldstatus $240,000
19. 2017-10-20
    soldstatus $240,000 Sold 677-char remark

    Show marketing remark (677 chars)

    Fabulous West Bradenton three bedroom, three bath home with over 2,700 sq ft under roof. Large living room for entertaining, you’ll love the cedar lined closets and the size of the bedrooms! The kitchen has plenty of solid wood cabinets and newer appliances. Built in wall to wall bookcase in the family room, which leads out thru the sliding glass door to the covered patio and fenced back yard. Laundry room and storage room are located off the kitchen. The location is superb! Schools, shopping and dining just blocks away and short distant to the gorgeous beaches of Anna Maria Island! Don’t let this gem get away! Seller is providing a one-year home warranty.

20. 2017-09-22
    status Pending 677-char remark

    Show marketing remark (677 chars)

    Fabulous West Bradenton three bedroom, three bath home with over 2,700 sq ft under roof. Large living room for entertaining, you’ll love the cedar lined closets and the size of the bedrooms! The kitchen has plenty of solid wood cabinets and newer appliances. Built in wall to wall bookcase in the family room, which leads out thru the sliding glass door to the covered patio and fenced back yard. Laundry room and storage room are located off the kitchen. The location is superb! Schools, shopping and dining just blocks away and short distant to the gorgeous beaches of Anna Maria Island! Don’t let this gem get away! Seller is providing a one-year home warranty.

21. 2017-08-22
    price $245,000 677-char remark

    Show marketing remark (677 chars)

    Fabulous West Bradenton three bedroom, three bath home with over 2,700 sq ft under roof. Large living room for entertaining, you’ll love the cedar lined closets and the size of the bedrooms! The kitchen has plenty of solid wood cabinets and newer appliances. Built in wall to wall bookcase in the family room, which leads out thru the sliding glass door to the covered patio and fenced back yard. Laundry room and storage room are located off the kitchen. The location is superb! Schools, shopping and dining just blocks away and short distant to the gorgeous beaches of Anna Maria Island! Don’t let this gem get away! Seller is providing a one-year home warranty.

22. 2017-07-24
    price $257,000 677-char remark

    Show marketing remark (677 chars)

    Fabulous West Bradenton three bedroom, three bath home with over 2,700 sq ft under roof. Large living room for entertaining, you’ll love the cedar lined closets and the size of the bedrooms! The kitchen has plenty of solid wood cabinets and newer appliances. Built in wall to wall bookcase in the family room, which leads out thru the sliding glass door to the covered patio and fenced back yard. Laundry room and storage room are located off the kitchen. The location is superb! Schools, shopping and dining just blocks away and short distant to the gorgeous beaches of Anna Maria Island! Don’t let this gem get away! Seller is providing a one-year home warranty.

23. 2017-06-21
    listed $274,900 Active 677-char remark

    Show marketing remark (677 chars)

    Fabulous West Bradenton three bedroom, three bath home with over 2,700 sq ft under roof. Large living room for entertaining, you’ll love the cedar lined closets and the size of the bedrooms! The kitchen has plenty of solid wood cabinets and newer appliances. Built in wall to wall bookcase in the family room, which leads out thru the sliding glass door to the covered patio and fenced back yard. Laundry room and storage room are located off the kitchen. The location is superb! Schools, shopping and dining just blocks away and short distant to the gorgeous beaches of Anna Maria Island! Don’t let this gem get away! Seller is providing a one-year home warranty.

24. 2013-07-03
    soldstatus $155,000
25. 2013-06-26
    soldstatus $155,000 471-char remark

    Show marketing remark (471 chars)

    You will love the huge bedrooms! This 3 bedroom 3 bath home has 2035 sq. ft. of living space plus a large covered screened lanai. Ample size living room. Kitchen with large dinette area with pass thru window to family room. Smallest bedrooms are 22x14. The master bedroom and family room have sliding glass doors leading to the screened lanai. Lovely fenced yard with many plantings & fruit tree. Attached carport and circular drive. Newer a/c. Convenient location.

26. 2013-04-29
    listed $174,500 471-char remark

    Show marketing remark (471 chars)

    You will love the huge bedrooms! This 3 bedroom 3 bath home has 2035 sq. ft. of living space plus a large covered screened lanai. Ample size living room. Kitchen with large dinette area with pass thru window to family room. Smallest bedrooms are 22x14. The master bedroom and family room have sliding glass doors leading to the screened lanai. Lovely fenced yard with many plantings & fruit tree. Attached carport and circular drive. Newer a/c. Convenient location.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $2,843 · $237/mo
• Projected year-2 tax: $2,905 · $242/mo
• Expected delta: +$62/yr (+$5/mo · 2.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 5 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $40,305
• − Mortgage interest: −$19,605
• − Property taxes: −$2,843
• − Insurance: −$1,750
• − Repairs & maintenance: −$3,224
• − Management: −$3,224
• − Depreciation: −$10,182
• Taxable loss: −$525
• Est. tax savings @ 24.0%: +$126
• After-tax cash flow: $5,348/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — West Bradenton

• Score: 72/100
• State rank: #335
• US rank: #5798

Category grades

Amenities F Commute F Cost of living B Crime A+ Employment A- Housing A+ Health & safety A- User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: West Bradenton, FL
• County: Manatee County · 416,364 people
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 33,224
• Household income: $81,728
• Rent vs Own: 21.8% rent · 78.2% own
• Severe rent burden: 1126.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 11% Two or more races 6% Black 2% Asian 1%
• Hispanic origin (detail): Puerto Rican 4% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 9% · Canada, Jamaica, China
• Languages at home: 90% English-only · Spanish 6% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -360.34%
• Current HPI: 320.0061
• Rent YoY: ▼ -0.30%
• Metro: North Port-Sarasota-Bradenton, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+128.7% since first listed

10 events — show timeline

• 2026-05-06 Listed $399,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-25 Sold (Public Records) $240,000 Public Records
• 2017-10-20 Sold (MLS) $240,000 Stellar MLS as Distributed by MLS Grid
• 2017-09-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-08-22 Price Changed $245,000 Stellar MLS as Distributed by MLS Grid
• 2017-07-24 Price Changed $257,000 Stellar MLS as Distributed by MLS Grid
• 2017-06-21 Listed $274,900 Stellar MLS as Distributed by MLS Grid
• 2013-07-03 Sold (Public Records) $155,000 Public Records
• 2013-06-26 Sold (MLS) $155,000 Stellar MLS as Distributed by MLS Grid
• 2013-04-29 Listed $174,500 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.9%/yr

Latest (2024): $2,843 · +2.2% YoY. Source: county tax records.