8725 STONE HARBOUR LOOP, BRADENTON, FL, 34212
Active140 days on marketListed Mar 5, 2026MLS #A4684657
About this home
8725 STONE HARBOUR LOOP
NEW Buyer Proposal: $10,000 Buyer Bonus to be used for Closing costs, rate buy down or potential upgrades. This home is the Best Valued 4/3 with a Pool, Spa and a private water view in the entire area. New Roof (2025) A/C (2024) Water Heater (2018). FULL Home inspection Performed before listing for the future buyer's peace of mind. ALL Appliances are LESS THAN 7 years old, including the Washer/Dryer. Wake up every day in this vibrant home nestled within a beautiful gated golf community. Perfectly positioned to capture serene water views, this spacious four bedroom, three bath residence blends comfort and an active lifestyle into one extraordinary opportunity. Major systems updated for buyer peace of mind From the moment you enter, you’re welcomed by light-filled living spaces designed for both entertaining and everyday living. The open-concept layout flows effortlessly, featuring generous gathering areas and a bright, inviting kitchen that serves as the heart of the home. Whether hosting friends or enjoying a quiet evening in, this home offers the perfect backdrop. Step outside to your private oasis, a sparkling heated pool and spa overlooking the water. Imagine morning swims beneath golden sunrises, relaxing afternoons poolside with a book, and peaceful evenings as the sky reflects across the tranquil lake. The spacious primary suite offers a retreat of its own, complete with an en-suite bath and calming water views. Three additional bedrooms and two full baths provide flexibility for guests, a home office, or multi-generational living. Beyond your doorstep, the community elevates everyday life with exceptional amenities. Enjoy championship golf at the 18-hole Stoneybrook Golf Club course, along with tennis courts, pickleball courts, and a fitness center. The clubhouse also features an on-site restaurant, perfect for meeting friends for lunch, enjoying dinner, or relaxing after a round of golf. Walking trails, social events, and clubhouse gatherings create a true sense of connection and community. Golf enthusiasts will also appreciate the many additional premier courses located just minutes away. Outdoor recreation is abundant with Heritage Harbor Park nearby, offering walking and running trails, a disc golf course, playgrounds, picnic areas, soccer and baseball fields, and scenic lake views. Convenience is a MAJOR highlight. You’re just minutes from the shops and restaurants at The Marketplace at Heritage Harbor, as well as quick access to I-75 for easy travel north and south. Brand new Planned Retail : Costco, Target, Whole Foods, Seasons 52, Miller's Ale House, Whataburger, QDOBA, Chick-Fil-A, Jersey Mike's, First Watch Smoothie King, Crunch Fitness, and much more all without even touching a main road. Enjoy being close to some of the area’s most popular destinations: 16 miles to the beautiful beaches of Anna Maria Island 8 miles to Downtown Bradenton and the Riverwalk 7 miles to Ellenton Premium Outlets 9 miles to University Town Center’s premier shopping and dining This is more than a home — it’s a lifestyle defined by leisure, location, and everyday resort-style living. **Please note that the primary bedroom is on the second floor.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,432
Sqft
0.15 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$220
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$3,980 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,980/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−26.7%
Days on market
140 vs 53 typical
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 Heritage Harbour
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradenton. See the full Bradenton guide →
Heritage Harbour — neighborhood snapshot
Population
6,256
Median age
51
Median income
$103,298
Median home value
$400,220
Avg household
2
Households w/ children
451
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bradenton market
$410K → $424K
Bradenton median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
Median sold price, Bradenton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the BRADENTON 34212 median. See the full Bradenton market guide →
Paper trail
This home's history
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.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8725 STONE HARBOUR LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8725 STONE HARBOUR LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8725 STONE HARBOUR LOOP FAQs
What would the monthly payment be for 8725 STONE HARBOUR LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,980/mo — principal and interest, the actual property-tax bill, the $115/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 8725 STONE HARBOUR LOOP?+
The association fee works out to $115 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8725 STONE HARBOUR LOOP?+
The most recent tax bill on record (2024) was $3,906. 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 8725 STONE HARBOUR LOOP?+
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 $534,000, this home is listed about 35% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.
Which schools are assigned to 8725 STONE HARBOUR LOOP?+
Freedom Elementary School (elementary), Carlos E. Haile Middle School (middle), Parrish Community 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
$534,000 runs 32% above the BRADENTON 34212 median — but at 2,432 sqft it's also 53% larger than the typical Bradenton listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
140 days on market against a Bradenton median of 53 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Freedom Elementary School, Carlos E. Haile Middle School, Parrish Community High School — Freedom Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $599,900, now $534,000 — a $66K cut. The full history is in the market section below.
Listing courtesy of KW SUNCOAST · Don Uffinger, III. MLS #A4684657.
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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