David Ramirez
Pending
$365,0003 bd2 ba1,284 sqft$284 /sqft$2,723 /mo all-in ↓

311 44TH STREET COURT W, PALMETTO, FL, 34221

Pending109 days on marketListed May 1, 2026MLS #A4692037

Private poolSingle Family ResidencePALMETTO POINT

About this home

311 44TH STREET COURT W

Move-in ready, beautifully updated, and designed for unforgettable outdoor living, this Palmetto Point gem delivers the ultimate Florida lifestyle with a new heated saltwater pool including luxury upgrades including LED lighting, built in bench with hydrotherapy spa jets, sun shelf with bubbler and umbrella holder encompassed with travertine tiling, in addition to a custom-built entertaining space really sets this home apart. Perfectly tailored for those who value freedom and flexibility with NO HOA, NO CDD, and NO FLOOD ZONE, allowing you to live, invest, or enjoy your home on your own terms- all while being high and dry with coastal confidence living in the highly desired Palmetto Point on a property that has no history of flooding, a rare and highly sought-after advantage in this prime location. Situated on a quiet street, this 3-bedroom, 2-bath single-family home features a fully fenced yard and a fresh, modern interior with no carpet throughout, creating a clean, low-maintenance living environment. Inside, you’ll find a bright and inviting layout with updated finishes, neutral tones, and a seamless flow that feels both comfortable and contemporary. The kitchen showcases crisp cabinetry, stainless steel appliances, and ample counter space, while the living areas are designed for both relaxation and effortless entertaining. Outside is where you will find your unique private backyard retreat, where the Florida living lifestyle truly comes to life. The newly added in-ground heated saltwater pool with sun shelf is surrounded by an expansive paver patio provides plenty of space to lounge, host, and enjoy year-round sunshine. A custom-built bar area creates the perfect setting for game days, evening cocktails, or weekend gatherings, while the additional shed provides valuable storage. Thoughtful upgrades such as a generator outlet and RV power hook-up add even more versatility and convenience for those with an active lifestyle. For boating enthusiasts, the Palmetto Point community offers optional access to a private boat ramp with entry to Terra Ceia Bay leading to all of your favorite fishing and boating spots for a low annual membership fee, making it easy to spend your days on the water whenever the mood strikes. Perfectly positioned in Palmetto, this home offers effortless access to the best of Florida’s Gulf Coast lifestyle. Just minutes from the scenic Bradenton and Palmetto Riverwalks, you’ll enjoy waterfront dining, parks, and vibrant local events, while nearby Emerson Point Preserve and Robinson Preserve provide endless opportunities for kayaking, biking, and nature exploration. A short drive brings you to the sugar-white sands of Anna Maria Island and Bradenton Beach, with convenient access to I-75, downtown Bradenton’s dining and arts scene, LECOM Park, and Ellenton Premium Outlets- placing beaches, culture, shopping, and entertainment all within easy reach. Whether you’re seeking a full-time residence, seasonal getaway, or investment opportunity, this property embodies the freedom, functionality, and Florida charm today’s buyers are searching for.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,284

Sqft

0.18 ac

Lot size

1974

Year built

One

Levels

$284

Per sqft

Private poolPool viewPets allowed

Inside

FlooringTile · Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Split Bedroom
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
ViewPool
FacesNorth
ParkingDriveway
ExteriorOther · Private Mailbox · Private Yard

Community & fees

Taxes (2025)$3,039/yr
PetsYes
CommunityCommunity Boat Ramp

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,723 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property tax — 2025 actual bill$253
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,775Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,775
Interest rate6.00%
Loan term

Estimated payment

$2,723/mo

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property taxes (actual bill)$253
Est. insurance$160

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.

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.

List $365K
$350KedgeAI estimate $431,207 · range $375K$465K$483K

vs edgeAI estimate

−15.4%

Days on market

109 vs 62 typical

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

Map of 311 44TH STREET COURT W

Drive times from this address

Downtown Tampa43 min
Tampa Int’l Airport (TPA)45 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palmetto. See the full Palmetto guide →

PALMETTO 34221 — neighborhood snapshot

Population

54,923

Median age

46.6

Median income

$74,314

Median home value

$298,200

Avg household

2.63

Households w/ children

4,466

For the school run

Manatee County School District

ElementaryJames Tillman Elementary Magnet School★★★★★
MiddleLincoln Memorial Middle School★★★★
HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palmetto market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$359K$376K

Palmetto median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 2% below the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

May 1, 2026Listed at $365,000 · 109 days on market since
1974Built · PALMETTO POINT

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 311 44TH STREET COURT W — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 311 44TH STREET COURT 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.

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Straight answers

311 44TH STREET COURT W FAQs

What would the monthly payment be for 311 44TH STREET COURT W?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,723/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 311 44TH STREET COURT W?+

The most recent tax bill on record (2025) was $3,039. 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 311 44TH STREET COURT W?+

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 $365,000, this home is listed about 8% below the Palmetto median of $395,159. The market section on this page shows how the area is trending.

Which schools are assigned to 311 44TH STREET COURT W?+

James Tillman Elementary Magnet 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.

Listing courtesy of COMPASS FLORIDA LLC · Heidi Gibson. MLS #A4692037.

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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