4911 PALMETTO POINT DRIVE, PALMETTO, FL, 34221
Active162 days on marketListed May 29, 2026MLS #TB8511146
Come see it
Upcoming open houses
Sun, Nov 8
12:00 PM – 2:00 PM
Sat, Nov 14
12:00 PM – 2:00 PM
About this home
4911 PALMETTO POINT DRIVE
WATERFRONT LIVING WITH A POOL | INVESTMENT POTENTIAL | ROOM FOR ALL YOUR TOYS! AS SEEN ON TV! Welcome to 4911 Palmetto Point Drive, Palmetto, Florida — a waterfront property offering an exceptional combination of Florida lifestyle, outdoor enjoyment, and short-term rental investment potential. Situated on a generously sized lot, this property delivers the space, flexibility, and waterfront appeal that are increasingly sought after along Florida’s Gulf Coast. Enjoy your own private pool, embrace the waterfront lifestyle, and take advantage of quick access to open water for boating and days spent exploring the surrounding waterways. With a spacious garage, carport, and ample room for your recreational vehicles, boats, trailers, and other toys, this property offers the freedom and flexibility to enjoy Florida living your way. With no deed restrictions reported, there is room to accommodate your lifestyle and recreational needs, subject to applicable county and local regulations. A COMPELLING SHORT-TERM RENTAL INVESTMENT OPPORTUNITY: Rental revenue projections have been modeled using active short-term rental properties in the immediate area, with estimated average monthly billings of approximately $10,000. For investors exploring the vacation rental market, this property offers the appeal of a waterfront setting, private pool, and outdoor lifestyle that can attract vacation guests. These figures are projections based on comparable active rentals. AN IMPORTANT PROPERTY ADVANTAGE: The property sits approximately 10 feet above sea level and did not flood during recent storms, an important consideration for buyers evaluating waterfront real estate in Florida and contributes to a very reasonable insurance cost. Whether you envision a personal waterfront retreat, a home base for your boating adventures, or an investment property with projected short-term rental potential, 4911 Palmetto Point Drive offers a distinctive opportunity to enjoy the best of the Florida lifestyle. Waterfront. Pool. Space for your toys. Open-water access. Rental potential. Discover the possibilities at 4911 Palmetto Point Drive!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,645
Sqft
0.5 ac
Lot size
2
Garage
1989
Year built
One
Levels
$391
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.
$7,546 /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
$7,546/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
−6.3%
$/sqft vs Palmetto actives
$391 vs $200
Days on market
162 vs 73 typical
Where $391/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 184% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4911 PALMETTO POINT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$375,000
1019 31ST STREET E
4 bd · 2 ba · 2,592 sqft · $145/sqft · 9 DOM
Sold · Nov ’25$945,000
2825 TERRA CEIA BAY BOULEVARD UNIT 1902
3 bd · 2.5 ba · 2,553 sqft · $370/sqft · 39 DOM
Sold · Oct ’25$520,000
2825 TERRA CEIA BAY BOULEVARD UNIT 1504
3 bd · 2 ba · 2,306 sqft · $225/sqft · 25 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 4911 PALMETTO POINT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4911 PALMETTO POINT DRIVE — 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
4911 PALMETTO POINT DRIVE FAQs
What would the monthly payment be for 4911 PALMETTO POINT DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,546/mo — principal and interest, the actual property-tax bill, the $4/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 4911 PALMETTO POINT DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4911 PALMETTO POINT DRIVE?+
The most recent tax bill on record (2025) was $5,771. 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 4911 PALMETTO POINT DRIVE?+
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 $1,035,000, this home is listed about 160% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 4911 PALMETTO POINT DRIVE?+
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
$1,035,000 runs 184% above the PALMETTO 34221 median — but at 2,645 sqft it's also 36% larger than 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
162 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 $1,099,000, now $1,035,000 — a $64K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Christopher Plummer. MLS #TB8511146.
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.
Never miss a listing
New Palmetto homes, in your inbox
Like 4911 PALMETTO POINT DRIVE but not quite? A daily digest of every new listing in Palmetto — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Donna to ping you on any price or status change →