5216 13TH STREET, PALMETTO, FL, 34221
Active180 days on marketListed May 11, 2026MLS #TB8433578
About this home
5216 13TH STREET
One or more photo(s) has been virtually staged. Discover an extraordinary waterfront lifestyle on the exclusive shores of Snead Island, where your own a private beach, have breathtaking sunsets, and panoramic water views that create the ultimate Florida coastal escape. Beautifully reimagined through extensive high-end renovations, this exceptional estate blends refined coastal elegance with the natural beauty of its waterfront surroundings. Offering 4 bedrooms, 3.5 bathrooms, and a private office or executive suite, the residence features stunning natural hardwood floors, sophisticated finishes, and an inviting open-concept design. The renovated kitchen overlooks the sparkling waterfront, while the dining space creates a setting for entertaining and everyday enjoyment. A private elevator provides convenient access between levels, and the executive suite offers a workspace with tranquil beach views. The primary retreat features a renovated spa-inspired bathroom, private exterior access, and a charming porch perfect for peaceful mornings and evening relaxation. Beyond the interiors, the oversized, newly landscaped homesite leads to your very own private beachfront, offering unobstructed sunset views and an unparalleled connection to the water. A brand-new roof further enhances this remarkable property. Nestled within the coveted Snead Island community, this coastal sanctuary offers exceptional privacy while remaining conveniently connected to St. Petersburg, Tampa, and Sarasota. Surrounded by Terra Ceia Bay, Tampa Bay, and the Manatee River, and moments from the 365-acre Emerson Point Preserve, the location provides endless opportunities for boating, kayaking, nature trails, and outdoor recreation. The property also offers potential vacation rental opportunities through Airbnb or VRBO, subject to applicable regulations. A rare opportunity to own a private beachfront retreat where sophisticated design meets the beauty of Florida waterfront living. Truly a Must See!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,635
Sqft
1.45 ac
Lot size
3
Garage
1982
Year built
Two
Levels
$685
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.
$18,159 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$18,159/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+25.1%
$/sqft vs Palmetto actives
$685 vs $200
Days on market
180 vs 73 typical
Where $685/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
56,208
Median age
45.5
Median income
$77,712
Median home value
$338,600
Avg household
2.6
Households w/ children
4,828
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
$375K → $390K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
255 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 582% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 5216 13TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,030,000
812 59TH STREET NW
5 bd · 5.5 ba · 3,761 sqft · $274/sqft · 1 DOM
Sold · Mar ’26$1,020,000
5915 RIVERVIEW BOULEVARD
4 bd · 4 ba · 3,294 sqft · $310/sqft · 189 DOM
Sold · May ’26$2,125,000
6012 SHORE ACRES DRIVE
3 bd · 3 ba · 4,025 sqft · $528/sqft · 288 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
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 5216 13TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5216 13TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5216 13TH STREET FAQs
What would the monthly payment be for 5216 13TH STREET?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $18,159/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 5216 13TH STREET?+
The most recent tax bill on record (2024) was $16,747. 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 5216 13TH STREET?+
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 $2,490,000, this home is listed about 526% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5216 13TH STREET?+
Virgil Mills Elementary School (elementary), Buffalo Creek Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$2,490,000 runs 582% above the PALMETTO 34221 median — but at 3,635 sqft it's also nearly twice the size of the typical Palmetto listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
180 days on market against a Palmetto median of 73 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,990,000, now $2,490,000 — a $500K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Alecia Savas. MLS #TB8433578.
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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