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5022 20th Street CT E, Bradenton, FL, 34203

$315/sqft·Oneco Gardens

3 bd2 ba1,427 sqft2 car garageSingle Family
Listed by EXP REALTY LLC· Last updated · MLS# A4702305

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Est. monthly payment
$2,683/mo
Down payment (20%)
$90,000
Property taxes
$111/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2005
2 car garage
9,601 sqft lot
Lot size
1,427 sqft
Living area

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Open FloorplanFire PitRain GuttersCooktopDishwasherDryer

5022 20th Street CT E is a 2005-built home in Oneco Gardens, Bradenton. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,427 square feet of living space. Listed at $450,000 (about $315/sqft), 20 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

No HOA. No deed restrictions. No flood zone. 5022 20th Street Court East is a 3-bedroom, 2-bath single-story home in the Oneco Gardens neighborhood of Bradenton, Florida, offering 1,427 square feet of living space on a spacious lot with an attached two-car garage, boat or Rv parking, a metal roof, and public water and sewer. This property delivers the freedom, space, and flexibility that buyers in today's market consistently say they cannot find. The open-concept floor plan is anchored by cathedral ceilings that lift the living spaces and fill the home with natural light throughout the day. The split-bedroom layout separates the primary suite from the two secondary bedrooms, providing the privacy that owners and guests both appreciate. Tile flooring runs throughout the main living areas, clean and easy to maintain year-round. The kitchen features ample cabinetry, generous counter space, and included appliances, opening naturally to the living and dining areas. Sliding glass doors connect the interior to the backyard, extending the living space outdoors. The 9,601-square-foot lot is one of this home's most compelling features. With no HOA and no deed restrictions, the property accommodates a wide range of uses including outdoor living, gardening, and storage of recreational vehicles or watercraft, subject to applicable local regulations. The lot provides the kind of space and flexibility that is increasingly rare in established Bradenton neighborhoods at this price point. The fully replaced metal roof is a meaningful long-term value asset. The home is connected to public water and sewer, sits in Flood Zone X, which is outside a Special Flood Hazard Area, and carries no monthly HOA fees. The location in Bradenton's Oneco Gardens area puts residents close to shopping, restaurants, medical facilities, parks, and downtown Bradenton. Anna Maria Island, Holmes Beach, Bradenton Beach, Coquina Beach, Longboat Key, and Siesta Key are all within a short drive west. Sarasota, Lakewood Ranch, St. Petersburg, and Tampa are easily accessible, with SRQ Airport and Tampa International Airport both within reach for frequent travelers. Oneco Gardens · 5022 20th Street Court East · Bradenton FL 34203 · Manatee County

The essentials

Built
2005
Price / sqft
$315
On market
35 days
Annual tax
$1,326
Flood zone
X · Low risk
Lot
9,601 sqft
Type
Single Family Residence

Location

5022 20th Street CT E
Bradenton, FL, 34203·34203 - Bradenton/Braden River/Lakewood Rch
Type
Single Family Residence
Year Built
2005
Lot
9,601 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
35
Cathedral Ceiling(s)
Ceiling Fans(s)
Open Floorplan
Fire Pit
Rain Gutters
Cooktop
Dishwasher
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer

Elementary

Oneco Elementary

Middle

Martha B. King Middle

High

Southeast High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$1,326

Parcel #

1663600109

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Oneco Gardens

County

Manatee

MLS Area

34203 - Bradenton/Braden River/Lakewood Rch

Lot Size

9,601 sqft

Date
Event
Price
8/27/2026
Price change
Source: Stellar MLS #A4702305
$450,000-6.3%
$315/sqft
8/7/2026
Listed for sale
Source: Stellar MLS #A4702305
$480,000
$336/sqft
Est. monthly payment$2,682/mo
Principal & interest$2,347
Property taxes$111
Insurance$225
Down payment20% · $90,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $450,000
$442,500 – $450,000
98.1% – 100% of listTops out right at the list price
80% of listList price
64 of the last 127 home closings in 34203 landed at this number or higher (50%). The median one sat 33 days before it went under contract, and this one is on day 35 after a $30,000 cut.

Sample: 127 closed home sales in 34203 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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