4419 HEARTHSTONE RUN, PALMETTO, FL, 34221
Active149 days on marketListed Jun 11, 2026MLS #TB8514117
About this home
4419 HEARTHSTONE RUN
Own a beautifully maintained, move-in-ready home designed for comfortable Florida living, with thoughtful upgrades and inviting outdoor spaces already in place. Built with Florida living and storm preparedness in mind, this home offers added peace of mind with a whole-house surge protector, generator-ready wiring, gutters, and well-maintained exterior features. A full irrigation system with timer adds convenience while helping keep the landscaping looking its best. Step outside to enjoy a 12x8 covered lanai and expansive 25x14 paver patio, providing plenty of room for relaxing, entertaining, and enjoying Florida’s year-round outdoor lifestyle. Beautiful landscaping and native Florida plants complete the backyard setting. Located in Silverstone North, you’ll enjoy convenient access to shopping, dining, I-75, 275, and surrounding Gulf Coast communities, with beautiful Gulf beaches and waterfront destinations just a short drive away. Move right in and start enjoying the Florida lifestyle. Quick close possible.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,672
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$209
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.
$3,128 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,128/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.
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
+3.2%
$/sqft vs Palmetto actives
$209 vs $200
Days on market
149 vs 73 typical
Where $209/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 4% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4419 HEARTHSTONE RUN
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$350,000
5217 SONG SPARROW TERRACE · same community
3 bd · 2 ba · 1,669 sqft · $210/sqft · 14 DOM
Sold · Apr ’26$275,000
5617 FLAGSTONE TRAIL · same community
3 bd · 2 ba · 1,459 sqft · $188/sqft · 255 DOM
Sold · Nov ’25$459,900
3404 29TH STREET E
3 bd · 2 ba · 1,666 sqft · $276/sqft · 62 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4419 HEARTHSTONE RUN — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4419 HEARTHSTONE RUN — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4419 HEARTHSTONE RUN FAQs
What would the monthly payment be for 4419 HEARTHSTONE RUN?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,128/mo — principal and interest, the actual property-tax bill, the $120/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 4419 HEARTHSTONE RUN?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4419 HEARTHSTONE RUN?+
The most recent tax bill on record (2025) was $3,492. 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 4419 HEARTHSTONE RUN?+
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 $349,900, this home is listed about 12% below the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 4419 HEARTHSTONE RUN?+
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
Three things that matter here
01Under the PALMETTO 34221 market on paper
$349,900 is 4% below the PALMETTO 34221 median of $365,000, and at $209/sqft it sits under the Palmetto average of $228.
02Time on market is leverage
149 days on market against a Palmetto median of 73 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $365,000, now $349,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Shannon Stelton. MLS #TB8514117.
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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