2207 5TH STREET W, PALMETTO, FL, 34221
Active203 days on marketListed Jan 14, 2026MLS #A4678042
About this home
2207 5TH STREET W
If you’ve been searching for a home that feels peaceful, solid, and thoughtfully designed, this one stands out. Located in one of Palmetto’s most sought-after neighborhoods, this home offers something you don’t find every day uninterrupted sunset views every single night. Whether you’re enjoying a quiet evening outside or hosting friends, the sunsets here become part of your daily routine. Inside, the home feels warm and welcoming, with wood floors flowing throughout most of the house (tile in the laundry room and one additional room for durability). The layout is ideal for both everyday living and hosting. The primary suite is on the main level, complete with a private office, creating a calm, comfortable retreat. There’s also a downstairs ensuite, perfect for guests or extended family. Upstairs, each bedroom has its own private bathroom, offering comfort and privacy for everyone, along with an additional office or flex space that works beautifully as a second living area, workspace, or media room. The kitchen truly brings everyone together, featuring quartz countertops, stainless steel appliances, a gas stove, a walk-in pantry, and a gas dryer hookup. Step outside to the outdoor kitchen, ready for summer barbecues, weekend gatherings, and evenings spent watching the sky light up as the sun sets. Built with quality and longevity in mind, the home sits on a concrete stem wall foundation with a TJI floor system. It also offers exceptional peace of mind with a 38kW whole-home Generac generator, installed in 2023, backed by a 7-year transferable extended warranty through June 2030, capable of powering the entire home. A 500-gallon owned propane tank and two gas tankless water heaters add to the home’s efficiency and reliability. This is the kind of home where life feels a little easier private spaces for everyone, room to gather, and sunsets you’ll never take for granted!
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,973
Sqft
0.55 ac
Lot size
3
Garage
1992
Year built
Two
Levels
$856
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.
$20,717 /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
$20,717/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.
$/sqft vs Palmetto actives
$856 vs $208
Days on market
203 vs 54 typical
Where $856/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 Historic District
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Palmetto Historic District — neighborhood snapshot
Population
2,006
Median age
46
Median income
$74,759
Median home value
$249,458
Avg household
3
Households w/ children
180
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 → $360K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
222 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 813% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2207 5TH STREET W
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$1,450,000
3101 RIVERVIEW BOULEVARD
5 bd · 4.5 ba · 4,092 sqft · $354/sqft · 4 DOM
Sold · Dec ’25$1,750,000
607 51ST STREET NW
4 bd · 3.5 ba · 4,200 sqft · $417/sqft · 13 DOM
Sold · Apr ’26$3,500,000
213 N 18TH STREET W
4 bd · 4.5 ba · 4,252 sqft · $823/sqft · 41 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2207 5TH STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2207 5TH STREET W — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2207 5TH STREET W FAQs
What would the monthly payment be for 2207 5TH STREET W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,717/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 2207 5TH STREET W?+
The most recent tax bill on record (2024) was $11,226. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palmetto?+
At $3,400,000, this home is listed about 759% above the Palmetto median of $395,659. The market section on this page shows how the area is trending.
Which schools are assigned to 2207 5TH STREET W?+
Palmetto Elementary School (elementary), Lincoln Memorial 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
$3,400,000 runs 813% above the PALMETTO 34221 median — but at 3,973 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
203 days on market against a Palmetto median of 54 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY - SARASOTA · Brooke Mailloux. MLS #A4678042.
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 2207 5TH STREET W 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 David to ping you on any price or status change →