1918 4TH STREET E, PALMETTO, FL, 34221
Active Under Contract37 days on marketListed Sep 30, 2026MLS #TB8552909
About this home
1918 4TH STREET E
Under contract-accepting backup offers. CUSTOM WATERFRONT LIVING WITH RESORT-STYLE OUTDOOR SPACE AND DIRECT MANATEE RIVER ACCESS. Built in 2023, this exceptional 4-bedroom custom residence offers 3,370 square feet under air and 5,220 square feet under roof, thoughtfully designed to embrace the water from nearly every room. The home combines exquisite architecture, exceptional privacy, and effortless indoor-outdoor living with soaring ceilings, iron entry doors, hardwood and natural stone flooring throughout. Expansive 10-foot sliders from the main living areas and all four bedrooms capture beautiful water and sunset views while filling the home with natural light. At the heart of the home, the gourmet kitchen features a dramatic marble waterfall island, custom cabinetry and a hidden butler’s pantry with sink, wine and beverage refrigerators. The open kitchen, dining and great room flow seamlessly to the waterfront lanai. The covered lanai with 14-foot tongue-and-groove ceilings overlooking a heated saltwater pool, oversized sun shelf and spa with a fully equipped outdoor kitchen creates a true private resort for entertaining or relaxing at sunset. Beyond the pool, a 30’ composite dock with 13,000 lb lift sits on calm, protected freshwater with direct access to the Manatee River. Mature palms, tropical landscaping, privacy hedges and architectural lighting create a secluded waterfront setting. Additional features include hurricane-rated windows and doors, automatic blackout shades, standing-seam metal roof and an oversized 733-square-foot garage. A rare opportunity to own a nearly new custom construction waterfront home, all within convenient reach of Sarasota, St. Petersburg, Tampa and the Gulf beaches.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,370
Sqft
0.35 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$681
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.
$17,340 /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
$17,340/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
+35.2%
$/sqft vs Palmetto actives
$681 vs $200
Days on market
37 vs 73 typical
Where $681/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)
256 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 529% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1918 4TH STREET E
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$2,580,000
1801 4TH STREET E · same community
3 bd · 3.5 ba · 3,390 sqft · $761/sqft · 13 DOM
Sold · Dec ’25$1,750,000
1902 4TH STREET E · same community
4 bd · 4.5 ba · 3,328 sqft · $526/sqft · 100 DOM
Sold · Jul ’26$1,650,000
1802 4TH STREET E · same community
3 bd · 3.5 ba · 3,139 sqft · $526/sqft · 85 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1918 4TH STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1918 4TH STREET E — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1918 4TH STREET E FAQs
What would the monthly payment be for 1918 4TH STREET E?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $17,340/mo — principal and interest, the actual property-tax bill, the $158/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 1918 4TH STREET E?+
The association fee works out to $158 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1918 4TH STREET E?+
The most recent tax bill on record (2025) was $20,629. 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 1918 4TH STREET E?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $2,295,000, this home is listed about 477% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1918 4TH STREET E?+
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
01Positioned at the premium end
$2,295,000 runs 529% above the PALMETTO 34221 median — but at 3,370 sqft it's also 73% 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.
03The price has already moved
Listed at $2,350,000, now $2,295,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARTNER AGENT REALTY INC · Drew Schoonmaker. MLS #TB8552909.
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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