Bradenton FL · Manatee County · Built 2010–Present · Age-Targeted

Harbour Isle — True Annual Cost

HOA · Manatee County · CDD · All-in monthly

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HOA Fee

Harbour Isle HOA covers exterior including roof for attached homes. Verify current fee — premium waterfront communities with full exterior coverage typically run $500–$700/month.

Flood Insurance

Verify flood zone for the specific unit. Flood insurance for coastal Manatee County attached homes can run $2,000–$5,000+/year. This is in addition to standard homeowner insurance.

Manatee County Property Tax

Property Tax — Manatee County (~0.88% effective)

$650K home, standard homestead~$4,100–$4,500/yr
$800K home, standard homestead~$5,000–$5,500/yr
$950K home, standard homestead~$6,000–$6,600/yr
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All-In Monthly

All-In Monthly Estimate

Mortgage (30yr, 6.5%, 20% down, $700K)~$3,539/mo
HOA fee (waterfront + exterior coverage)~$575/mo
Property tax (monthly)~$367/mo
Insurance (standard + flood)~$600/mo
Total all-in monthly~$5,081/mo

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