David Ramirez
$2,499,000$2,800,0004 bd3 ba2,760 sqft$905 /sqft$15,006 /mo all-in ↓

609 42ND STREET COURT W, PALMETTO, FL, 34221

Active62 days on marketListed Jun 15, 2026MLS #A4697113

Reduced $301KWaterfrontPrivate poolSingle Family ResidenceNA

Come see it

Upcoming open house

Sun, Aug 23

1:00 AM – 3:00 PM

About this home

609 42ND STREET COURT W

PRIVACY PRIVACY PRIVACY. One-of-a-Kind Bay/Gulf-Front Estate Set on JUST SHY of 7 breathtaking Bay/Gulf front acres. This extraordinary waterfront estate presents a rare opportunity to own one of Florida's most remarkable coastal properties. Offering unparalleled privacy, spectacular views, and exceptional development potential, this property truly embodies luxury waterfront living. The residence features 4 bedrooms, 3 bathrooms, and nearly 2,900 square feet of air-conditioned living space. All glass doors and windows are Hurricane rated with UV filter. three camera surveillance of property thru ADT (time can be remotely viewed from your phone). Upon entering, guests are welcomed by an exquisite Alabaster chandelier (from Africa), setting the tone for the elegance found throughout the home. Rich WOOD flooring flows throughout the main living areas and two of the bedrooms. Expansive windows frame stunning views of the property and the Bay/Gulf beyond. Designed for both comfort and entertaining, the home includes two private en-suite bedrooms and spacious gathering areas that seamlessly connect to the outdoors. Surround sound (speakers) throughout the home is wonderful The gourmet kitchen is a chef's dream, featuring a premium Sub-Zero refrigerator, quality finishes, and abundant workspace. Gas range. Large screened porch and pool enclosure span the rear of the home, creating the perfect setting to relax while overlooking the sparkling Gulf waters. A unique widows peak offers an elevated sitting area with panoramic coastal vistas, providing the ideal vantage point for unforgettable sunsets and breathtaking waterfront views. You can waive to your friends on Anna Maria Island. The lower level includes a private in-law suite or guest quarters with direct access to the pool area, offering flexibility for guests or multi-generational living. Three new a/c 2024 with Warranties conveyed. Entire back of the residence is screened including Terrace. Outside, enjoy the 16' x 32' salt water heated lap pool, perfect for both exercise and relaxation amid the serene coastal surroundings. A private boardwalk winds through the property to a newly constructed dock, where you can fish, boat, or simply enjoy the tranquil waterfront setting. Irrigation is on top patio for your plants and two garden beds in back. Combining luxury, privacy, natural beauty, and limitless potential, this exceptional Bay/Gulf-front estate is truly a once-in-a-lifetime offering. No deed restrictions, no CDD. This includes vacant & cleared lot 2+ acres at 535 43rd St. Blvd. West ID#2380210076. Outlined in pictures. Rare Bay/Gulf-front acreage. Spectacular views. Seller said 'It occurred to them that one of the major benefits of living in our home is that even though we live in a rural area, we have easy access to much of the cultural and culinary attractions in this part of Florida. We are 20 minutes from St Petersburg and the Mahaffey Theater, the Florida Orchestra, The American Stage, the Paladium and FreeFall Theaters and numerous museums and restaurants. We are 15 minutes to Sarasota and the Sarasota Opera and Ballet, the Florida Studio Theater as well as many outstanding restaurants and nightlife. And we have easy access to the Tampa and the Sarasota/Bradenton airports and to the Bradenton Area Convention Center and to local beaches". In numerous ways it’s an ideal location. You don’t get this convenience living in Sarasota.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,760

Sqft

7 ac

Lot size

2

Garage

1986

Year built

Two

Levels

$905

Per sqft

Private poolWaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringHardwood
AppliancesCooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer · Water Filtration System
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air · Zoned
HeatingElectric

Outside & construction

RoofTile
ConstructionBlock
FoundationSlab
ViewTrees/Woods · Water
FacesEast
ParkingCircular Driveway
ExteriorBalcony

Community & fees

Taxes (2025)$5,097/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Fiber Optics · Public · 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.

$15,006 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$13,484
PMI (est., until 20% equity)$937
Property tax — 2025 actual bill$425
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $249,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $249,900
Interest rate6.00%
Loan term

Estimated payment

$15,006/mo

Principal & interest$13,484
PMI (est., until 20% equity)$937
Property taxes (actual bill)$425
Est. insurance$160

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.

List $2.5M
$596KedgeAI estimate $896,872 · range $621K$1.1M$2.6M

vs edgeAI estimate

+178.6%

$/sqft vs NA

$905 vs $271

Days on market

62 vs 61 typical

Where $905/sqft sits among the 128 homes for sale in NA

85
27
4 · this home
1
3
8
$108–379$379–651$651–923$923–1195$1195–1467$1467+

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 609 42ND STREET COURT W

Drive times from this address

Downtown Tampa45 min
Tampa Int’l Airport (TPA)47 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 seller4.3 months of inventoryBuyer’s market

$359K$359K

Palmetto median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

61 of 128

NA have cut their price

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

This home is listed 572% above the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,499,000 $301K
Jun 15, 2026Listed at $2,800,000 · 62 days on market since
1986Built · NA

Reality check

What actually sold near 609 42ND STREET COURT W

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

17345 SWEETWATER ROADSold · Jul ’26

$1,100,000

17345 SWEETWATER ROAD · same community

3 bd · 2.5 ba · 2,573 sqft · $428/sqft · 21 DOM

1751 SW 54TH COURTSold · Dec ’25

$800,000

1751 SW 54TH COURT · same community

5 bd · 2.5 ba · 3,021 sqft · $265/sqft · 108 DOM

37445 GRAYS AIRPORT ROADSold · Feb ’26

$429,900

37445 GRAYS AIRPORT ROAD · same community

4 bd · 2 ba · 2,496 sqft · $172/sqft · 50 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 609 42ND 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 609 42ND STREET COURT W — before you fall in love.

See it in person

Schedule a tour

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Straight answers

609 42ND STREET COURT W FAQs

What would the monthly payment be for 609 42ND STREET COURT W?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,006/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 609 42ND STREET COURT W?+

The most recent tax bill on record (2025) was $5,097. 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 609 42ND 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 $2,499,000, this home is listed about 533% above the Palmetto median of $394,999. The market section on this page shows how the area is trending.

Which schools are assigned to 609 42ND 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.

The brief

Three things that matter here

01Positioned at the premium end

$2,499,000 runs 572% above the PALMETTO 34221 median — but at 2,760 sqft it's also 45% larger than 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.

03The price has already moved

Listed at $2,800,000, now $2,499,000 — a $301K cut. The full history is in the market section below.

Listing courtesy of BEE GREEN REALTY, LLC · Peggy Christ. MLS #A4697113.

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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