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Gates Creek, Bradenton FL: Low-HOA, No-CDD Neighborhood Guide

By Linda Reynolds, Broker, Reynolds Realty Gulf Coast (License #BK3021695) · Updated November 2026

Quick answer: Gates Creek is a deed-restricted neighborhood of single-family homes in east Bradenton, Florida (34212), built by Centex from 1997 to 1999. It sits off Upper Manatee River Road just north of State Road 64, near Lakewood Ranch Boulevard and about two miles from I-75. Homes have mostly sold for about $395,000 to $440,000, with an HOA of roughly $60 a month and no CDD.

Gates Creek is an established neighborhood on the edge of Lakewood Ranch, with mature trees, sidewalks, a community park and a playground. Buyers like it for the location close to I-75, shopping and schools, and for something that is getting harder to find nearby: a low HOA and no CDD. This guide covers the homes, prices, fees, schools and what to check before you buy. For the bigger picture, see my Bradenton real estate guide.

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Gates Creek at a glance

  • Location: east Bradenton, FL 34212, off Upper Manatee River Road north of State Road 64
  • Built: 1997 to 1999 by Centex; resale only
  • Homes: one-story single-family homes, mostly 3 to 4 bedrooms with 2-car garages, many with pools
  • Typical prices: about $395,000 to $440,000 (2025–2026 sales)
  • HOA: about $182 a quarter (roughly $60 a month); no CDD
  • Amenities: community park with picnic area, playground, ponds and preserve views

What is Gates Creek like?

Gates Creek is a quiet, deed-restricted neighborhood with tree-lined streets and sidewalks. Centex built it in the late 1990s, so landscaping has had time to fill in, and the community park is shaded by large live oaks draped in Spanish moss. Some homes back up to ponds or preserve areas. Even with its settled feel, Gates Creek is minutes from the newest parts of Lakewood Ranch.

What types of homes are in Gates Creek?

Homes are single-family houses, almost all one story, with three or four bedrooms, two baths and two-car garages. Living areas run from about 1,100 to roughly 2,600 square feet, on lots of around a sixth of an acre. Many homes have screened pools, and some sit on ponds or preserve land. Because the homes are now more than 25 years old, condition varies: many have been updated with new roofs, kitchens and flooring, and others are closer to original.

What do homes cost in Gates Creek?

Over the past year, most Gates Creek homes sold for about $395,000 to $440,000, and the average sale was a little under $400,000. Updated pool homes and the larger floor plans sell at the top of the range, while smaller homes needing work have sold for less. Homes in good condition often go under contract within a few weeks.

Prices change month to month. Call or text me for current sales in Gates Creek.

How much is the HOA, and is there a CDD?

Gates Creek has a homeowners association with dues of about $182 a quarter, roughly $60 a month, covering the common areas, the park and the playground. There is no Community Development District (CDD), so there’s no extra assessment on your property tax bill. Many newer communities nearby carry both HOA dues and a CDD, so the monthly savings can be significant. The community is deed restricted, and the association has rules on leasing and exterior changes. I request the current fees and rules before you make an offer. My guide to HOAs and CDDs in Manatee County explains how they work.

What is nearby?

  • Getting around: State Road 64 and I-75 are minutes away, with easy drives to Tampa, Sarasota and Sarasota Bradenton International Airport.
  • Shopping and dining: Costco at I-75 and State Road 64, Lakewood Ranch Main Street, and the Mall at University Town Center.
  • Schools: Freedom Elementary and Carlos E. Haile Middle are about a mile away on State Road 64. Confirm current zoning with the school district.
  • Lakewood Ranch: golf, parks and events are close by. See my Lakewood Ranch guide.

What should you know before buying in Gates Creek?

  • Roof and systems. Homes date from the late 1990s. Ask about the age of the roof, air conditioning, water heater and pool equipment, since insurers look closely at roof age.
  • Insurance. Get wind and homeowners quotes during your inspection period. My homeowners insurance guide covers the questions to ask.
  • Flood zone. Many homes are in flood zone X, but check the specific address, especially for lots on ponds or preserve. See flood zones and flood insurance in Manatee County.
  • Deed restrictions. Review the HOA rules on leasing, parking, boats and exterior changes before you buy.
  • Homestead exemption. If Gates Creek will be your permanent home, here is how homestead works in Manatee County.

Selling a home in Gates Creek

Gates Creek buyers are often comparing your home with new construction nearby, so the low HOA and no CDD are big selling points to put up front, along with any updates like a newer roof or pool equipment. I price your home against recent Gates Creek sales and current builder offers, and help you decide which repairs are worth making. If you’re relocating or handling a family member’s home, my guides to relocating or downsizing and inheriting a home in Manatee County can help you plan.

Curious what your home would sell for?

Get a free, no-obligation estimate, then call or text me at 941-737-6562 for a real number based on recent sales in Gates Creek.

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Gates Creek questions people ask

Where is Gates Creek in Bradenton?

Gates Creek is in east Bradenton, FL 34212, off Upper Manatee River Road just north of State Road 64 near Lakewood Ranch Boulevard. I-75 is about two miles away.

Does Gates Creek have a CDD?

No. Gates Creek has an HOA but no CDD, which is one of its biggest draws compared with newer communities nearby.

How much is the HOA in Gates Creek?

HOA dues have been about $182 a quarter, roughly $60 a month, and cover the common areas, the park and the playground. Confirm the current amount for the specific home.

How much do homes cost in Gates Creek?

Most homes sold for about $395,000 to $440,000 over the past year, with pool homes and larger floor plans at the top of that range.

When were the homes in Gates Creek built?

Centex built the homes from 1997 to 1999, so every home for sale is a resale.

What schools serve Gates Creek?

Homes have been zoned for Freedom Elementary and Carlos E. Haile Middle School, both about a mile away on State Road 64. Zoning can change, so confirm current school assignments with the Manatee County School District.

Looking for a home in Gates Creek?

Online searches show you what’s listed. A free consultation with our buyer specialist, Celeste Schott, helps you find what’s right: the true costs, the neighborhoods that fit, and the homes worth seeing first.

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