Active·Listed today
10637 Restoration Terrace
Bradenton, FL 34212
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Bradenton
Expansive water-to-golf views and an inviting saltwater pool welcome you to this beautifully maintained five-bedroom, four-bath home in gated Waterlefe Golf & River Club. Positioned at the end of a cul-de-sac on approximately .45 acre lot, this residence overlooks the fourth tee and fairway, with water views from nearly every room. Approximately 3,673 square feet of living space offers generous gathering areas and comfortable private retreats. Double decorative cut-glass entry doors open to an impressive, light-filled two-story entry and large living room featuring architectural details, complemented by a separate dining room. The kitchen features granite countertops, a gas cooktop, double electric ovens, an adjoining gathering area and walk in bar. The spacious main-level primary suite includes two walk-in closets and an ensuite bath. A second downstairs bedroom, currently used as a study, and another full bath offer flexibility.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Tile — year not disclosed (home built 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,863 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 7:31 AM, sunset 6:59 PM.
- A pool here trades warmth for comfort.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $13,388/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Oct 16, 2026Listed$1,090,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: INI REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
More homes in **verifying Subd**
For Sale621 River View RoadFlagler Beach, FL 32136
5 bd · 4.5 ba · 4,032 sq ft
$1,029,000Est. $5,477/moLuxury Living in the Heart of Flagler Beach. Nestled on a quiet street just across from the Intracoastal Waterway and…
Listing Office: florida beaches real estate company
For Sale6169 County Road 209 SGreen Cove Springs, FL 32043
2 bd · 1 ba · 1,008 sq ft
$1,175,000Est. $6,254/moRare opportunity to own 10 acres of premier waterfront on the St. Johns River, positioned on one of the widest sections…
Listing Office: click to list llc
For Sale3500 Joe Ashton RoadSt. Augustine, FL 32092
3 bd · 2.5 ba · 2,000 sq ft
$950,000Est. $5,056/moPRIVATE LAKESIDE RETREAT ON 6 BEAUTIFLLY LANDSCAPED ACRES! Discover a rare opportunity to enjoy space, privacy and…
Listing Office: re/max specialists
For Sale157 W Grandview DriveEast Palatka, FL 32131
4 bd · 3.5 ba · 3,092 sq ft
$875,000Est. $4,657/moImagine pulling onto 1.63 private acres, the St. Johns River stretching wide across the back of the property and…
Listing Office: beach state realty
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines