1615 5TH STREET W, PALMETTO, FL, 34221
Active139 days on marketListed Mar 19, 2026MLS #A4686867
About this home
1615 5TH STREET W
Beautiful lot just 1 block from the Manatee River! Roughly 1,500 sq/ft of impact fee credit. Cleared and ready to be built on
Facts & features
The home at a glance
0.18 ac
Lot size
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.
$1,797 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$1,797/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.
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)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1615 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$163,000
1400 1ST AVENUE W UNIT 103
1 bd · 1 ba · 560 sqft · $291/sqft · 88 DOM
Sold · Apr ’26$265,000
322 34TH STREET W
2 bd · 2 ba · 656 sqft · $404/sqft · 150 DOM
Sold · May ’26$240,000
219 27TH STREET W
2 bd · 1 ba · 780 sqft · $308/sqft · 13 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 1615 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 1615 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
1615 5TH STREET W FAQs
What would the monthly payment be for 1615 5TH STREET W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,797/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 1615 5TH STREET W?+
The most recent tax bill on record (2025) was $1,490. 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 $239,000, this home is listed about 40% below the Palmetto median of $395,659. The market section on this page shows how the area is trending.
Which schools are assigned to 1615 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
01Under the PALMETTO 34221 market on paper
$239,000 is 36% below the PALMETTO 34221 median of $372,000.
02Time on market is leverage
139 days on market against a Palmetto median of 54 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $265,000, now $239,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MATTHEW GUTHRIE AND ASSOCIATES REALTY LLC · Matt Guthrie. MLS #A4686867.
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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