1604 21ST AVENUE W, PALMETTO, FL, 34221
Active25 days on marketListed Aug 26, 2026MLS #A4704151
About this home
1604 21ST AVENUE W
All the big-ticket items are done for you in this gorgeous, completely updated, well-cared-for home. Roof 2025, HVAC 2025, Pool salt system and filter 2025, refrigerator 2026, and newer pool heater. The interior has been completely remodeled with high-end finishes, from the coastal tile floor to the kitchen cabinetry and expansive grey vein quartz countertops, to the bathrooms with new cabinetry and comfort-height toilets. Open and airy, the great room overlooks the beautiful, serene pool lanai area, with old Florida tropical landscaping for maximum privacy. The fenced-in xeriscape expansive side area is perfect for huge gatherings, and the tea garden is set for a romantic dinner date for 2. This is minutes from water and not in a flood zone. The lush lawn is thanks to a reclaimed water irrigation system to save $100's on your water bill. The HOA fees are minimal at $42 a month just to keep the quiet and peaceful neighborhood looking great. This area of Palmetto is low traffic, but close enough to all the fun. Golf cart ride to Snead Island to catch a sunset, Emerson Point, and waterfront dining.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,576
Sqft
0.35 ac
Lot size
2
Garage
2005
Year built
One
Levels
$301
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.
$3,400 /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
$3,400/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
−7%
$/sqft vs PALM LAKE ESTATES
$301 vs $176
Days on market
25 vs 61 typical
Where $301/sqft sits among the 10 homes for sale in PALM LAKE ESTATES
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 Palm Lake Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Palm Lake Estates — neighborhood snapshot
Population
610
Median age
36
Median income
$79,224
Median home value
$259,000
Avg household
3
Households w/ children
73%
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
97.2%
Sale-to-list ratio (12 mo)
3 of 10
PALM LAKE ESTATES have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1604 21ST AVENUE W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$339,000
1605 21ST AVENUE W · same community
3 bd · 2 ba · 1,576 sqft · $215/sqft · 237 DOM
Sold · Sep ’25$313,000
1506 22ND AVENUE W · same community
3 bd · 2 ba · 1,700 sqft · $184/sqft · 3 DOM
Sold · May ’26$190,000
808 53RD AVENUE E UNIT 117 · same community
2 bd · 2 ba · 1,440 sqft · $132/sqft · 68 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1604 21ST AVENUE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1604 21ST AVENUE W — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1604 21ST AVENUE W FAQs
What would the monthly payment be for 1604 21ST AVENUE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,400/mo — principal and interest, the actual property-tax bill, the $42/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 1604 21ST AVENUE W?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1604 21ST AVENUE W?+
The most recent tax bill on record (2025) was $2,298. 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 1604 21ST AVENUE W?+
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 $474,999, this home is listed about 20% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1604 21ST AVENUE W?+
Palmetto Elementary School (elementary), Palmetto High School (high), Lincoln Memorial Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FLATFEE.COM · Cliff Glansen. MLS #A4704151.
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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