David Ramirez
$4,995,0005 bd5.5 ba4,691 sqft$1,065 /sqft$30,206 /mo all-in ↓

907 35TH AVENUE DRIVE W, PALMETTO, FL, 34221

Active3 days on marketListed Aug 14, 2026MLS #A4697289

WaterfrontPrivate poolSingle Family ResidenceRIVER TERRACE

About this home

907 35TH AVENUE DRIVE W

This tropical paradise, crafted with contemporary European precision, is engineered and designed to be your serene and private oasis as well as a storm-safe haven built to the highest standards. Welcome to 907 35th Ave Dr West, a gated compound with a newly constructed home overlooking the River with access to the Gulf, and a fully renovated guest house or care-taker’s residence. This estate is one-of-a-kind and boasts quality, elegance, design, and world-class sunsets each and every night. The main house, completed in 2020, is positioned high above the water with exceptional views and supported by 31 augured pilings bored into bedrock. The home itself is built out of concrete (72 truckloads in total), columns poured at a minimum of every three feet with many walls being solid concrete. The floors on each level are pre-stressed concrete, and all interior framing is engineered wood which is fire retardant, termite resistant and impervious to moisture. Every detail in the construction of this masterpiece was meant to make it strong, sleek, stylish and efficient. In the main house you will find two bedrooms, two offices, three and a half baths rooms, and ample storage space on the ground level. The elevated infinity pool allows for incredible views of the water and seamless access to the main house. The new house has all impact windows, a 21kw generator, 500 gallon buried propane tank, and exquisite finishes throughout the interior which must be seen in person to be fully appreciated. Just a few are all solid core doors, imported Italian tile floors, custom made cabinets clad in walnut veneer, level 5 drywall throughout, full low voltage system, and much more. The original house on the property has been lovingly upgraded to and designed to comfortably house guests or caretakers. Finished with the same high-end feel the flexibility this additional structure brings to the property is amazing. There are 3 bedrooms and two full bathrooms in the guest house. The seawall was replaced with vinyl panels and a 24 inch concrete cap, there is a long dock with access to a boat lift that has water and power, and the structure is in place if you wish to add a canvas cover over your boat. The location on the Manatee River gives way to Tampa Bay and then to the Gulf of America, so this is an excellent boating location with access to all the fun and beauty the waters have to offer. This unique offering is truly an unrivaled opportunity, schedule your private showing today.

Facts & features

The home at a glance

5

Bedrooms

5.5

Bathrooms

4,691

Sqft

0.46 ac

Lot size

4

Garage

2020

Year built

Three Or More

Levels

$1,065

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringConcrete
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Elevator · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofMembrane
ConstructionConcrete · Stucco
FoundationSlab · Stilt/On Piling
ViewWater
FacesEast
ParkingGuest · Oversized · Tandem
ExteriorAwning(s) · Balcony · Fire Pit · Irrigation System · Sliding Doors

Community & fees

Taxes (2025)$14,638/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity 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.

$30,206 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$26,953
PMI (est., until 20% equity)$1,873
Property tax — 2025 actual bill$1,220
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $499,500Loan30-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% · $499,500
Interest rate6.00%
Loan term

Estimated payment

$30,206/mo

Principal & interest$26,953
PMI (est., until 20% equity)$1,873
Property taxes (actual bill)$1,220
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.

$/sqft vs Palmetto actives

$1,065 vs $206

Days on market

3 vs 61 typical

Where $1,065/sqft sits among the 400 Palmetto actives

316
65
12
2
4
1 · this home
$123–280$280–437$437–594$594–751$751–908$908+

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 River Terrace

Map of 907 35TH AVENUE DRIVE W inside its neighborhood boundary

Drive times from this address

Downtown Tampa52 min
Tampa Int’l Airport (TPA)55 min

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

Get to know Palmetto. See the full Palmetto guide →

River Terrace — neighborhood snapshot

Population

179

Median age

41

Median income

$96,923

Median home value

$388,200

Avg household

3

Households w/ children

23%

For the school run

Manatee County School District

ElementaryPalmetto Elementary School★★★★★
HighPalmetto High School★★★★★
MiddleLincoln Memorial Middle 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)

225 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 1242% above the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

Aug 14, 2026Listed at $4,995,000 · 3 days on market since
2020Built · RIVER TERRACE

Reality check

What actually sold near 907 35TH AVENUE DRIVE W

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

207 URB RIVER TERRACESold · Mar ’26

$490,000

207 URB RIVER TERRACE · same community

4 bd · 2.5 ba · 2,280 sqft · $215/sqft · 92 DOM

22 street RIVER TERRACE UNIT 191Sold · Feb ’26

$450,000

22 street RIVER TERRACE UNIT 191 · same community

4 bd · 2.5 ba · 1,900 sqft · $237/sqft · 150 DOM

Nearby listingSold · Feb ’26

$275,000

Nearby listing · same community

2 bd · 2 ba · 912 sqft · $302/sqft · 46 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 907 35TH AVENUE DRIVE 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 907 35TH AVENUE DRIVE 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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Goes straight to David’s phone and CRM.

Straight answers

907 35TH AVENUE DRIVE W FAQs

What would the monthly payment be for 907 35TH AVENUE DRIVE W?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $30,206/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 907 35TH AVENUE DRIVE W?+

The most recent tax bill on record (2025) was $14,638. 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 907 35TH AVENUE DRIVE 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 $4,995,000, this home is listed about 1165% above the Palmetto median of $394,999. The market section on this page shows how the area is trending.

Which schools are assigned to 907 35TH AVENUE DRIVE W?+

Palmetto Elementary School (elementary), Palmetto High School (high), Lincoln Memorial Middle School (middle) — 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

$4,995,000 runs 1242% above the PALMETTO 34221 median — but at 4,691 sqft it's also nearly 2 times the size of 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.

03Fresh on the market

Only 3 days on market in a Palmetto market that averages 61 — if it fits, move quickly.

Listing courtesy of MICHAEL SAUNDERS & COMPANY · Drew Russell. MLS #A4697289.

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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