1515 21ST STREET W, PALMETTO, FL, 34221
Active61 days on marketListed Jun 5, 2026MLS #A4696161
About this home
1515 21ST STREET W
FULLY FENCED & GATED HOMESITE, NO HOA, IMPACT WINDOWS AND DOORS, NEWER ROOF, UPDATED HVAC, TANKLESS WATER HEATER, AND SPACIOUS PRIVATE GROUNDS! Positioned on a private, fully fenced and gated homesite in one of Palmetto's most desirable locations, this beautifully reimagined residence offers a rare blend of refined living, expansive outdoor space, and exceptional convenience. Thoughtfully redesigned with a focus on both functionality and style, the home presents a seamless open-concept floor plan filled with natural light and timeless finishes throughout. At the center of the home, a stunning chef's kitchen serves as the heart of the living space, showcasing custom cabinetry, expansive quartz countertops, premium appliances, designer lighting, and an oversized island ideal for gathering and entertaining. Wide-plank flooring, impact-rated windows and doors, custom trim work, and carefully selected finishes create a cohesive sense of elegance that extends throughout the residence. The spacious primary suite offers a private retreat, complete with a beautifully appointed bath and custom walk-in closet designed to balance comfort and sophistication. Additional bedrooms and baths continue the home's elevated aesthetic with thoughtful design and quality craftsmanship at every turn. Beyond the interior, the property unfolds into a setting that is increasingly difficult to find. A circular driveway welcomes guests, while the expansive grounds provide an exceptional sense of privacy and flexibility. Whether envisioning space for recreational vehicles, boating equipment, outdoor entertaining, gardening, or simply enjoying the tranquility of your own land, the possibilities are endless. Offering peace of mind, the property features a newer roof, updated HVAC system, tankless water heater, impact-rated windows and doors, updated electrical systems, and a recently replaced septic system. Ideally located near Terra Ceia Bay, Emerson Point Preserve, local marinas, waterfront dining, and the vibrant destinations of downtown Bradenton, St. Petersburg, and Tampa, this exceptional property offers the perfect balance of privacy, convenience, and modern Florida living. A rare opportunity to enjoy a thoughtfully renovated home on a spacious homesite with no HOA restrictions, all just moments from the very best of Florida's Gulf Coast lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,608
Sqft
0.97 ac
Lot size
1977
Year built
One
Levels
$307
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.
$5,623 /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
$5,623/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.
vs edgeAI estimate
+36.5%
$/sqft vs ACREAGE
$307 vs $338
Days on market
61 vs 54 typical
Where $307/sqft sits among the 153 homes for sale in ACREAGE
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 →
The numbers that matter
The Palmetto market
$359K → $376K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
61 of 153
ACREAGE have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 102% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1515 21ST 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 · Jul ’26$850,500
12530 COUNTY ROAD 675 · same community
3 bd · 3.5 ba · 2,604 sqft · $327/sqft · 0 DOM
Sold · Dec ’25$610,000
2780 W LAKE HAMILTON DRIVE · same community
4 bd · 3 ba · 2,586 sqft · $236/sqft · 14 DOM
Sold · Dec ’25$925,000
34961 EASTERLING ROAD · same community
3 bd · 3 ba · 2,918 sqft · $317/sqft · 70 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 1515 21ST STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1515 21ST 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
1515 21ST STREET W FAQs
What would the monthly payment be for 1515 21ST STREET W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,623/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 1515 21ST STREET W?+
The most recent tax bill on record (2025) was $10,150. 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 $800,000, this home is listed about 102% above the Palmetto median of $395,318. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$800,000 runs 102% above the Palmetto median — but at 2,608 sqft it's also 35% larger than the typical Palmetto listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $850,000, now $800,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DOUGLAS ELLIMAN · Katie Cobb. MLS #A4696161.
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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