Rui Ma
$569,900$599,999$4,051 /mo all-in ↓

540 MAST DRIVE, BRADENTON, FL, 34208

Active91 days on marketListed Apr 30, 2026MLS #TB8503211

Reduced $30KWaterfrontHARBOUR WALK

About this home

540 MAST DRIVE

This is the LAST privately owned Stunning Waterfront Dream Lot in Exclusive Harbour Walk! Future Waterfront Residence offering over 78+ feet of canal frontage. Owner may choose ANY builder! Find Camlin Homes on the 2nd photo to reveal a choice for the custom home builder who originally developed Harbour Walk. Take a look at this 3/2 home plan with 2,538 s.f. of Living Area, Auto Court with pavers, a three car garage, an outdoor living area and an area reserved for a pool. Camlin Homes has up to 25 other floor plans available for this lot. With proper notice, Boat Tours are available for serious/qualified buyers. Picture this one of a kind lot: An exclusive, waterfront paradise nestled within the heart of the illustrious Harbour Walk in Bradenton. For those elite enthusiasts who've envisioned creating their waterfront sanctuary, this privately owned luxury lot is the canvas upon which to paint your architectural masterpiece with any builder of your choice. Let's dive into the specifics: • Architectural Mastery: Think grandeur with a touch of traditional charm. Your home can boast a chic Port-o-Cochere and a hidden garage located at the back, ensuring the elegance of the streetscape remains uninterrupted. Rise and shine with options for approximately a 2500 minimum square feet 2 or 3-story layout, all within the accommodating guidelines of Bradenton. • Distinctive Exteriors: You have the luxury of choice with siding options ranging from the sturdy Hardy Plank to the rich texture of stucco. And, let's elevate that with a chic tile, metal roof, or slate roof – forget shingles, you deserve the best. • Lavish Amenities: • The dreamy fresh water canal, offers deep-water access leading straight from the Manatee River to Tampa Bay and the Gulf of Mexico. Imagine the lifestyle by boat to Bradenton, Anna Marie Island, Bradenton Beach, Longboat Key, Egmont Key (30 min) or catch a hockey game in Tampa! • From the private dock in your backyard to accommodate up to a 45 ft. vessel, note swift boat transitions with the Harbour Walk freshwater lift into the Manatee River, boasting a whopping capacity of ~25,000 pounds, 15 ft. beam, 25 ft. height. • Stroll along mesmerizing paver brick sidewalks or hop onto the community boat ramp. • Natural gas provisions, inviting front porches, and the assurance of privacy with gated exclusivity. • Connectivity & Conveniences: Whether by land or sea, reach Tampa Bay in a 6-mile boat ride, or the Gulf of Mexico in 12 miles. You're never too far from urban comforts with the Bradenton and Sarasota Airports about 15 minutes away and a short jaunt to downtown St. Pete. • Educational Excellence: Quality education is paramount, and you’re surrounded by highly-rated public schools and state-of-the-art private institutions that promise a bright future. • Recreational Delights: • Get hooked with fishing and boat maintenance clinics. • Enjoy the camaraderie of the Cruise Club with regular outings. • Tennis, canoeing, kayaking, and a dedicated playground – there's never a dull moment. • Connect with nature on estuary walks or indulge in private saltwater fishing on community docks. To the discerning buyer with an appetite for opulence and a passion for the waterfront lifestyle, this is your golden ticket. This is the start of your Harbour Walk legacy! Utilities are ready to connect. Survey Available. No flooding during hurricane Helene and Milton.

Facts & features

The home at a glance

0.26 ac

Lot size

WaterfrontWater viewPets allowed

Inside

Outside & construction

ViewWater
FacesSouth

Community & fees

HOA fee$187/mo
Taxes (2025)$4,978/yr
PetsYes
CommunityCanal Front · Dock · Fishing · Water Access · Waterfront · Deed Restrictions · Gated Community - Guard · Park · Playground · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Sewer Available · Water Available
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.

$4,051 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,075
PMI (est., until 20% equity)$214
Property tax — 2025 actual bill$415
HOA fee — from the listing$187
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $56,990Loan30-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% · $56,990
Interest rate6.00%
Loan term

Estimated payment

$4,051/mo

Principal & interest$3,075
PMI (est., until 20% equity)$214
Property taxes (actual bill)$415
HOA / condo fee$187
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.

Where it sits

Inside Braden River East

Map of 540 MAST DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa52 min
Tampa Int’l Airport (TPA)62 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Bradenton. See the full Bradenton guide →

Braden River East — neighborhood snapshot

Population

7,295

Median age

52

Median income

$86,737

Median home value

$379,666

Avg household

2

Households w/ children

686

For the school run

Manatee County School District

ElementaryWilliam H. Bashaw Elementary★★★★
MiddleCarlos E. Haile Middle School★★★★★
HighBraden River High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bradenton market

Seller’s marketBalanced5.4 months of inventoryBuyer’s 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 62% above the BRADENTON 34208 median. See the full Bradenton market guide →

Paper trail

This home's history

CurrentPrice reduced to $569,900 $30K
Apr 30, 2026Listed at $599,999 · 91 days on market since

Reality check

What actually sold near 540 MAST DRIVE

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

569 MAST DRIVESold · May ’26

$1,225,000

569 MAST DRIVE · same community

4 bd · 3 ba · 2,731 sqft · $449/sqft · 26 DOM

512 MAST DRIVESold · Mar ’26

$1,665,000

512 MAST DRIVE · same community

3 bd · 3.5 ba · 3,346 sqft · $498/sqft · 1 DOM

3807 CHINABERRY ROADSold · Mar ’26

$165,000

3807 CHINABERRY ROAD

2 bd · 1 ba · 911 sqft · $181/sqft · 2 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.

Rui Ma

Your agent

Rui Ma

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 540 MAST DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 540 MAST DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Goes straight to Rui’s phone and CRM.

Straight answers

540 MAST DRIVE FAQs

What would the monthly payment be for 540 MAST DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,051/mo — principal and interest, the actual property-tax bill, the $187/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 540 MAST DRIVE?+

The association fee works out to $187 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 540 MAST DRIVE?+

The most recent tax bill on record (2025) was $4,978. 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 540 MAST DRIVE?+

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 $569,900, this home is listed about 44% above the Bradenton median of $395,740. The market section on this page shows how the area is trending.

Which schools are assigned to 540 MAST DRIVE?+

William H. Bashaw Elementary (elementary), Carlos E. Haile Middle School (middle), Braden River High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$569,900 runs 62% above the BRADENTON 34208 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $599,999, now $569,900 — a $30K cut. The full history is in the market section below.

Listing courtesy of SELECT PROPERTIES INC · Amanda Dyer. MLS #TB8503211.

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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