David Ramirez
$339,900$349,9004 bd2.5 ba2,007 sqft$169 /sqft$2,663 /mo all-in ↓

4110 WILLOW HAMMOCK DR, PALMETTO, FL, 34221

Active52 days on marketListed Jun 6, 2026MLS #A4695926

Priced 7% below the PALMETTO 34221 medianReduced $10KSingle Family ResidenceSILVERSTONE SOUTH

About this home

4110 WILLOW HAMMOCK DR

Welcome home to this stunning Florida oasis! The highly favored Aisle floor plan has everything you want and in the most beautiful aesthetic, boasting tastefully updated design features like trending painted cabinetry, permanent outdoor lighting, updated appliances, luxury vinyl plank flooring, shiplap and wainscoting accent walls, antique chandeliers, and designer outlet covers. The downstairs living area has luxury vinyl and is an inviting open concept that showcases a half bath and kitchen with tons of storage. The downstairs, stairway and loft, along with the primary suite have luxury vinyl as well, and the remaining bedrooms are carpeted. For privacy and convenience, this floor plan has the bedrooms as well as the laundry room upstairs. The construction for this home is solid block (even on the second story!!) with a new roof in 2025 that truly gives a huge sense of security during the Florida rainy seasons. It has been pre-inspected and every minute detail has been addressed, making this property truly turn-key. The back yard is fenced and has a solid block back wall to aid in noise reduction and added privacy. The commute to anywhere from Manatee County to Sarasota or Hillsborough is a breeze with access to interstates I75 and I275 less than a 10 min drive. There's plenty of shopping and restaurants in the area, and the neighborhood often has food trucks and holiday gatherings by the (heated) pool cabana. It's truly a Florida paradise ready for the next person to love. Come see the attention to detail and what makes this home truly special!

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,007

Sqft

0.11 ac

Lot size

2

Garage

2019

Year built

Two

Levels

$169

Per sqft

Pets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ParkingDriveway
ExteriorIrrigation System · Sidewalk

Community & fees

HOA fee$96/mo
Taxes (2025)$3,063/yr
PetsYes
CommunityAssociation Recreation - Owned · Community Mailbox · Golf Carts OK · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Phone Available · Public · Sprinkler Recycled · Water Connected
WaterPublic

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.

$2,663 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,001
FHA mortgage insurance (est.)$150
Property tax — 2025 actual bill$255
HOA fee — from the listing$96
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,897Loan30-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% · $11,897
Interest rate6.00%
Loan term

Estimated payment

$2,663/mo

Principal & interest$2,001
FHA mortgage insurance (est.)$150
Property taxes (actual bill)$255
HOA / condo fee$96
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 $340K
$326KedgeAI estimate $382,400 · range $374K$394K$410K

vs edgeAI estimate

−11.1%

$/sqft vs Palmetto actives

$169 vs $207

Days on market

52 vs 55 typical

Where $169/sqft sits among the 400 Palmetto actives

98 · this home
146
75
39
14
28
$128–176$176–225$225–273$273–321$321–370$370+

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 Willow Hammock

Map of 4110 WILLOW HAMMOCK DR inside its neighborhood boundary

Drive times from this address

Downtown Tampa42 min
Tampa Int’l Airport (TPA)53 min

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

Get to know Palmetto. See the full Palmetto guide →

Willow Hammock — neighborhood snapshot

Population

2,129

Median age

34

Median income

$93,108

Median home value

$332,600

Avg household

4

Households w/ children

292

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 marketBalanced5.7 months of inventoryBuyer’s market

$359K$361K

Palmetto median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

217 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 7% below the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

CurrentPrice reduced to $339,900 $10K
Jun 6, 2026Listed at $349,900 · 52 days on market since
2019Built · SILVERSTONE SOUTH

Reality check

What actually sold near 4110 WILLOW HAMMOCK DR

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5132 WILLOW BREEZE WAYSold · Jun ’26

$349,000

5132 WILLOW BREEZE WAY · same community

4 bd · 2.5 ba · 1,997 sqft · $175/sqft · 162 DOM

4527 WILLOW HAMMOCK DRIVESold · Jan ’26

$370,000

4527 WILLOW HAMMOCK DRIVE · same community

4 bd · 2 ba · 1,828 sqft · $202/sqft · 20 DOM

4907 WEDGELEAF WAYSold · Aug ’25

$370,000

4907 WEDGELEAF WAY · same community

4 bd · 2.5 ba · 2,252 sqft · $164/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4110 WILLOW HAMMOCK DR — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4110 WILLOW HAMMOCK DR — 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.

Goes straight to David’s phone and CRM.

Straight answers

4110 WILLOW HAMMOCK DR FAQs

What would the monthly payment be for 4110 WILLOW HAMMOCK DR?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,663/mo — principal and interest, the actual property-tax bill, the $96/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 4110 WILLOW HAMMOCK DR?+

The association fee works out to $96 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4110 WILLOW HAMMOCK DR?+

The most recent tax bill on record (2025) was $3,063. 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 4110 WILLOW HAMMOCK DR?+

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 $339,900, this home is listed about 15% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4110 WILLOW HAMMOCK DR?+

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 ZHUZH SRQ · Becka Guilfoyle. MLS #A4695926.

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 4110 WILLOW HAMMOCK DR 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 →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 28, 2026 at 2:30 PM UTC. The listing information on this page last changed on July 28, 2026 at 2:30 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 28, 2026 at 2:30 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 28, 2026 at 2:30 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.