4016 86TH STREET E, PALMETTO, FL, 34221
Active173 days on marketListed Feb 13, 2026MLS #A4677144
About this home
4016 86TH STREET E
Welcome to one of the best values in Palmetto, Florida. Built in 2023 with over 2,500 square feet, this four bedroom, two and a half bathroom home offers modern construction, a functional layout, and a peaceful water view lot all under $400,000 in Manatee County. Inside, the open concept design connects the kitchen, dining, and family room for seamless everyday living and entertaining. The kitchen features modern finishes, a recently added designer backsplash, ample cabinetry, and a large center island. Natural light fills the space and draws your eye to tranquil pond views. A flexible bonus room near the entry works perfectly as a home office, dining room, gym, or playroom, with a convenient half bath on the first floor. Upstairs, a spacious loft provides additional living space, while all four bedrooms are privately situated on the second level. The primary suite offers a well appointed ensuite bath and generous walk in closet. The remaining bedrooms share a full bath and provide flexibility for family or guests. Out back, recently added patio pavers expand your outdoor entertaining space, all overlooking a peaceful pond that adds privacy and open views. Located in Palmetto, FL 34221 with quick access to I 75, you are minutes to Lakewood Ranch, Ellenton Premium Outlets, Downtown Bradenton, and a short drive to Anna Maria Island beaches. Shopping, dining, and daily conveniences are all close by. Newer construction with this size, bedroom count, water view lot, and price point is increasingly rare in North Manatee County. Schedule your private showing today and experience the value for yourself.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,532
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$152
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,018 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,018/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−12.2%
$/sqft vs Palmetto actives
$152 vs $208
Days on market
173 vs 54 typical
Where $152/sqft sits among the 400 Palmetto actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palmetto
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
PALMETTO 34221 — neighborhood snapshot
Population
54,923
Median age
46.6
Median income
$74,314
Median home value
$298,200
Avg household
2.63
Households w/ children
4,466
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $376K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
221 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4016 86TH STREET E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$415,000
8656 40TH CIRCLE E · same community
5 bd · 2.5 ba · 2,909 sqft · $143/sqft · 103 DOM
Sold · Jan ’26$315,447
4015 86TH STREET E · same community
3 bd · 2 ba · 1,540 sqft · $205/sqft · 183 DOM
Sold · Sep ’25$398,500
5429 LAKEHURST COURT
3 bd · 2.5 ba · 2,394 sqft · $166/sqft · 12 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4016 86TH STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4016 86TH STREET E — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4016 86TH STREET E FAQs
What would the monthly payment be for 4016 86TH STREET E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,018/mo — principal and interest, the actual property-tax bill, the $90/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4016 86TH STREET E?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4016 86TH STREET E?+
The most recent tax bill on record (2025) was $3,976. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4016 86TH STREET E?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $385,000, this home is listed about 3% below the Palmetto median of $395,318. The market section on this page shows how the area is trending.
Which schools are assigned to 4016 86TH STREET E?+
James Tillman Elementary Magnet School (elementary), Lincoln Memorial Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Water views
The water view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
173 days on market against a Palmetto median of 54 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $399,000, now $385,000 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING III · Jesse Bauer. MLS #A4677144.
IDX 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 accurate by Stellar MLS.
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