3-Bedroom Golf-Course Home in WATERLEFE GOLF & RIVER CLUB
10006 DISCOVERY TERRACE, BRADENTON, FL 34212
Single Family Residence in WATERLEFE GOLF & RIVER CLUB, BRADENTON · No CDD
WATERLEFE GOLF & RIVER CLUB · BRADENTON, FL 34212 · Manatee
Listing data updated August 24, 2026 · refreshed twice daily
3Bedrooms
3Bathrooms
3,025Sq Ft
2003Year Built
$393Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
54% below
$/sq ft vs community
$393 here vs $847 median sold (12 mo)
Buyer leverage
Seller-leaning
20 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~13 ft elevation
$4k–$9k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
How this home is priced against recent nearby sales, and where ILEXHURST has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in ILEXHURST
Each dot is a closed sale since 2004 (180 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $393/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 54 (normal).
Property timeline
This home’s history
2003BuiltPer public record
Jul 10, 2026First trackedObserved at $1,190,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$7,719/mo
Principal & interest $6,124/mo79%
Taxes $1,041/mo13%
Insurance $504/mo7%
HOA $50/mo1%
$7,719/mo at 20% down, 30-yr @ 6.67% · edit any field to update.
Estimated from today’s asking price and current Manatee County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $16,575/yr ($1,381/mo)
+$3,150 more each year
(+19%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
73/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
73/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $393/sq ft vs the community 12-month median $847/sq ft.
Affordability100
List price $1,190,000 vs the community median $1,825,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~13 ft elevation. Verify the parcel with FEMA.
Insurance cost71
From FEMA Zone X and a 2003 build. Obtain a property-specific quote.
Market liquidity36
Community median 80 days on market (12-month record).
Renovation upside46
From a 2003 build and $393/sq ft vs the community median $847/sq ft. Not a condition assessment.
Buyer competition70
30% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power100
Recent sales closed at about 83.8% of original asking (~16.2% below). More room below asking generally favors buyers.
Market timing46
Momentum Market Heat is 54/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $393 per square foot, about 54% below the community’s $847 median. ILEXHURST’s 12-month median sold price per square foot is $847. Median sold price per square foot is up 69.8% year over year. Confidence: Medium · 18 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent ILEXHURST sales closed near 83.8% of original asking. Cash paid for about 30% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 4083 active listings in ILEXHURST, no CDD assessment.
Updated August 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Locals affectionately call this one-of-a-kind luxury estate "The Gingerbread House," a name that captures its unique architectural charm. Behind its distinctive exterior lies a fully modernized interior, thoughtfully updated to feature a combination of todays open living along with defined spaces. Natural light fills the living spaces, highlighting premium design choices like the jaw-dropping quartzite kitchen countertops.
Beyond the cosmetic beauty, the home operates with peak efficiency thanks to major infrastructure updates, including one brand-new HVAC unit and another updated in 2020 plus and an energy-efficient tankless water heater. The luxury experience extends straight out to the private backyard oasis. The entirely refreshed pool area features a resurfaced pool and a modern saltwater filtration system.
Alongside the pool, an outdoor kitchen transforms the patio into the ultimate venue for weekend barbecues and warm Florida evenings. Living here means gaining access to the vibrant, wellness-focused lifestyle of Waterlefe Golf & River Club in Bradenton. Life centers around The River Club, a bustling community clubhouse complete with a Restaurant, the Sunset Lounge, a fitness center, and a newly resurfaced heated, junior Olympic-sized saltwater pool.
Residents enjoy a packed social calendar filled with daily fitness classes, card games, book clubs, and artist guilds. Convenience is built into the property's logistics. High-speed Wi-Fi, internet, and comprehensive cable TV are completely included in the HOA fees, and the CDD fees are already factored into the total tax amount.
Located just outside tof Lakewood Ranch without paying the premium that comes along with it, the estate offers incredibly fast access to I-75 and the local Costco an about to Open Whole Foods, Aldi, Publix and an ever growing local culinary scene, making daily errands effortless. While golf memberships and marina boat slips are available for enthusiasts, they remain entirely optional, allowing you to customize your experience in this premier waterfront and golf community. Come see why you will call the "Gingerbread House" your home!
Description provided by COLDWELL BANKER REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,190,000
Bed / bath3 / 3
Living area3,025 sq ft
Year built2003
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #A4699103
Listing status20 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~13 ft
Windstorm exposureLow
CountyManatee
Area listings4083 active · 1396 under contract
Estimated first-year tax~$12,495/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$393
Estimated monthly payment$7,719
Insurance (illustrative)$4k–$9k/yr
Comparable-sales median$1,825,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of COLDWELL BANKER REALTY · Listing agent: Steve Slocum · 941-907-1033Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$2,253,625the mess$2,870,725
Actual list price: $1,190,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 20 days on market vs. a 80-day community median
3801 active listings competing, 1315 under contract
For reference, this home is listed at $1,190,000 ($393/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 3,025 sq ft × $745–$949/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 24, 2026.
Keep looking
Similar homes for sale near WATERLEFE GOLF & RIVER CLUB
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $1,190,000Momentum Realty · on market 20 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$12,495/yr
A rough first-year estimate only, applying a typical Manatee rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$4k–$9k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~13 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in WATERLEFE GOLF & RIVER CLUB
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the WATERLEFE GOLF & RIVER CLUB neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$1,825,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$847
Canonical 12-month median $/sq ft. Reference only.
Go deeper on WATERLEFE GOLF & RIVER CLUB
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Florida's new state budget funds five major Manatee County projects
The 2026 state budget signed by Gov. Ron DeSantis directs 12.4 million dollars to five Manatee County projects, including the Singletary Road Bridge replacement, a 51st Street West extension in Bradenton, and design work for a Fort Hamer Road and I-75 interchange. The list also funds Fresh Start Manatee Phase 2 and the Valor Commons veterans hub.
Why it matters: State funding for road, bridge and interchange work expands transportation infrastructure and supports future growth capacity across Manatee County. The site is about 4 miles east of Zz Stellar Manatee Unassigned.
The Manatee County Commission advanced business terms for the next phase of an 80 million dollar, 190,000 square foot sports complex at Premier Sports Campus in Lakewood Ranch, featuring four ice rinks including a 2,500 seat arena plus retail, restaurants and sports medicine space. Construction is expected to begin in 2027 with an opening targeted for 2028.
Why it matters: A large ice and sports complex adds indoor recreation and commercial space to the Lakewood Ranch area and expands the local sports tourism venue base. The project is about 18 miles east of Zz Stellar Manatee Unassigned, elsewhere in Manatee County.
The City of Bradenton held a ceremonial groundbreaking for Future City Park next to LECOM Park, adding three new baseball fields, expanded parking and a community resource center offering education and career programs. Officials aim to complete all phases by 2028.
Why it matters: New ballfields, parking and a resource center expand public recreation and civic facilities in the Bradenton area. The project is about 3 miles east of Zz Stellar Manatee Unassigned, elsewhere in Manatee County.
Schools currently assigned to this address in Manatee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Freedom ElementaryAssigned elementary school · Manatee County School District · Grade A (Florida DOE 2025-26)
GRADEA
Carlos E. Haile MiddleAssigned middle school · Manatee County School District · Grade A (Florida DOE 2025-26)
GRADEB
Parrish Community HighAssigned high school · Manatee County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$5,454 – $7,933/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,428 – −$197At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
BRADENTON
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: August 24, 2026)
Community market stats
Stellar MLS closed sales, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 10006 DISCOVERY TERRACE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
