
903 20TH AVENUE W, PALMETTO, FL, 34221
Active8 days on marketListed Oct 2, 2026MLS #A4708188
About this home
903 20TH AVENUE W
Waterfront living in West Palmetto at its finest! Set along a protected deep-water canal with no bridges and direct boating access to the Manatee River, Tampa Bay, and the Gulf, this beautifully appointed Key West-inspired home offers the ultimate Florida lifestyle. A lush tropical landscape and thoughtfully designed xeriscaping welcome you to this impeccably maintained property. Inside, the open-concept floor plan is filled with natural light and framed by tranquil water views. Beautiful wood flooring, a wood-burning fireplace, and expansive windows create a warm and inviting atmosphere. At the heart of the home, the gourmet kitchen features custom wood cabinetry, granite countertops, a large center island, stainless steel appliances, an induction cooktop, wine cooler, designer backsplash, and under-cabinet lighting. The kitchen opens effortlessly to the dining and living spaces, making it ideal for both relaxed living and entertaining. The spacious primary suite provides a private retreat with a spa-inspired bath featuring Norstone shower walls, custom dual vanities, and distinctive beadboard ceilings. A flexible bonus room offers built-in office space, wine storage, a walk-in pantry, and additional laundry storage. Two generously sized secondary bedrooms provide comfortable accommodations for family and guests. One of the home’s standout features is the bright Florida room, where eight sliding doors open to sweeping water views, creating an exceptional connection between indoor and outdoor living. The screened pool is both heated and chilled, perfect for year-round enjoyment. Step outside and discover a true boater’s paradise. The 60-foot composite dock includes water, electricity, lighting, a fish-cleaning station, and a 7,500-pound boat lift. Approximately 5 feet of water at low tide and 15/30/50-amp power provide excellent boating flexibility, with the dock accommodating vessels up to 60 feet. A waterfront gathering area with built-in swings and Bluetooth speakers, plus a storage/tackle shed and covered grilling space, make the backyard ideal for entertaining. With no HOA or deed restrictions, there is added flexibility for a full-time residence, seasonal retreat, or potential short-term rental. Located just minutes from Sarasota, Bradenton, St. Petersburg, and Tampa, the home is close to beaches, airports, restaurants, and recreation. Emerson Point Preserve is nearby, offering miles of trails, kayaking, and beautiful sunsets. A rare combination of exceptional boating access, refined comfort, and relaxed coastal living—this is more than a home; it’s a waterfront lifestyle. Your next chapter is just one showing away!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,368
Sqft
0.22 ac
Lot size
2
Garage
1981
Year built
One
Levels
$375
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 — not generic estimates.
$5,680 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,680/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+60.6%
$/sqft vs Palmetto actives
$375 vs $203
Days on market
8 vs 79 typical
Where $375/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 → $372K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
239 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 137% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 903 20TH 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 · Aug ’26$975,000
1817 4TH STREET W
4 bd · 3 ba · 2,292 sqft · $425/sqft · 108 DOM
Sold · Nov ’25$465,000
824 35TH AVENUE DRIVE W
4 bd · 3 ba · 2,450 sqft · $190/sqft · 164 DOM
Sold · Jul ’26$750,000
800 25TH AVENUE W
3 bd · 2 ba · 2,280 sqft · $329/sqft · 3 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 903 20TH AVENUE W — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 903 20TH AVENUE W — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
903 20TH AVENUE W FAQs
What would the monthly payment be for 903 20TH AVENUE W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,680/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 903 20TH AVENUE W?+
The most recent tax bill on record (2025) was $4,676. 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 903 20TH 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 $889,000, this home is listed about 124% above the Palmetto median of $396,999. The market section on this page shows how the area is trending.
Which schools are assigned to 903 20TH AVENUE W?+
Lincoln Memorial Middle School (middle), Palmetto High School (high), James Tillman Elementary Magnet School (elementary) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of TIM LESTER INTERNAT'L REALTY · Tim Lester. MLS #A4708188.
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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