David Ramirez
$450,0003 bd2 ba1,825 sqft$247 /sqft$3,841 /mo all-in ↓

4319 15TH WAY, PALMETTO, FL, 34221

Active28 days on marketListed Jul 2, 2026MLS #A4698810

Single Family ResidenceHERITAGE BAY

About this home

4319 15TH WAY

Welcome to the highly sought-after Heritage Bay community on beautiful Snead Island, where coastal charm, privacy, and the timeless appeal of Old Florida create an exceptional place to call home. This elevated Key West-style residence offers 3 bedrooms, 2 bathrooms, and an oversized garage with room for 4+ vehicles, boats, golf carts, and recreational toys, plus a dedicated workshop. The spacious galley kitchen features granite countertops, solid ivory wood cabinetry, decorative tile backsplash, Samsung stainless steel appliances, Kenmore Washer and Dryer and a convenient butler's pantry. The open living area is filled with natural light and flows seamlessly to expansive covered porches with preserve views and glimpses of Terra Ceia Bay. The home features beautiful 20" x 20" decorative ceramic tile throughout the main living areas, while all bedrooms are comfortably carpeted. The private primary suite offers a spacious walk-in closet and an impressive en-suite bath with dual vanities, large soaking tub, huge tiled walk-in shower, private water closet, and direct access to the rear balcony. Upstairs, the versatile third-floor loft with impact windows and a private balcony can serve as a guest suite, home office, media room, or playroom. Outdoor living is one of this home's greatest features. Enjoy the welcoming front porch, spacious rear porch overlooking the preserve, or head to the rooftop sun deck for panoramic bay views. Recent improvements include a new metal roof, new electrical panel, impact-rated front entry door, and impact windows in the third-floor loft. Heritage Bay residents enjoy access to a community pool and tennis courts just a short stroll from the home. Living on Snead Island is about much more than owning a home—it's embracing a lifestyle. Home to approximately 300 residences, the island offers a peaceful atmosphere with only a handful of commercial businesses, including the Bradenton Yacht Club, marina, and local nursery. With no traffic lights, minimal traffic, and one road in and out, residents enjoy a relaxed pace of life that is becoming increasingly rare. Just minutes away is Emerson Point Preserve, a stunning 500-acre State Park where Tampa Bay, Terra Ceia Bay, and the Manatee River meet. Enjoy miles of walking and biking trails, kayak launches, an observation tower, abundant wildlife, a dog-friendly beach, picnic areas, and spectacular sunsets year-round. The island's welcoming community is one of its greatest treasures. Neighbors travel by golf cart, ride horses, walk dogs, and gather together throughout the year. A beloved holiday tradition lights the island's streets with candlelit sandbags each December, creating a magical setting and strong sense of community that makes Snead Island so special.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,825

Sqft

0.19 ac

Lot size

4

Garage

1991

Year built

Two

Levels

$247

Per sqft

Trees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Wall/Window Unit(s)
HeatingElectric

Outside & construction

RoofMetal
ConstructionBlock · Vinyl Siding · Wood Frame
FoundationStilt/On Piling
ViewTrees/Woods · Water
FacesEast
ParkingBoat · Driveway · Golf Cart Garage · Ground Level · Oversized · Workshop in Garage
ExteriorPrivate Mailbox · Private Yard · Sliding Doors · Storage · Tennis Court(s)

Community & fees

HOA fee$101/mo
Taxes (2025)$8,782/yr
PetsYes
CommunityDeed Restrictions · Golf Carts OK · Pool · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Sprinkler Meter · 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.

$3,841 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$732
HOA fee — from the listing$101
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-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% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$3,841/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$732
HOA / condo fee$101
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 $450K
$432KedgeAI estimate $623,329 · range $592K$676K$703K

vs edgeAI estimate

−27.8%

$/sqft vs Palmetto actives

$247 vs $205

Days on market

28 vs 55 typical

Where $247/sqft sits among the 400 Palmetto actives

98
140
81 · this home
37
14
30
$125–172$172–219$219–267$267–314$314–361$361+

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 Heritage Bay

Map of 4319 15TH WAY inside its neighborhood boundary

Drive times from this address

Downtown Tampa54 min
Tampa Int’l Airport (TPA)57 min

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

Get to know Palmetto. See the full Palmetto guide →

Heritage Bay — neighborhood snapshot

Population

88

Median age

66

Median income

$55,729

Median home value

$250,900

Avg household

2

Households w/ children

3%

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 marketBalanced5.7 months of inventoryBuyer’s market

$359K$361K

Palmetto median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

223 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 23% above the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $450,000 · 28 days on market since
1991Built · HERITAGE BAY

Reality check

What actually sold near 4319 15TH WAY

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

4329 14TH STREET CIRCLESold · Jul ’26

$633,250

4329 14TH STREET CIRCLE · same community

3 bd · 3.5 ba · 3,106 sqft · $204/sqft · 82 DOM

3405 10TH STREET WSold · Aug ’25

$360,000

3405 10TH STREET W

3 bd · 2 ba · 1,852 sqft · $194/sqft · 84 DOM

1211 64TH STREET NWSold · Feb ’26

$430,000

1211 64TH STREET NW

3 bd · 2 ba · 1,793 sqft · $240/sqft · 262 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 4319 15TH WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4319 15TH WAY — 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

4319 15TH WAY FAQs

What would the monthly payment be for 4319 15TH WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,841/mo — principal and interest, the actual property-tax bill, the $101/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 4319 15TH WAY?+

The association fee works out to $101 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4319 15TH WAY?+

The most recent tax bill on record (2025) was $8,782. 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 4319 15TH WAY?+

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 $450,000, this home is listed about 13% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4319 15TH WAY?+

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.

Listing courtesy of COLDWELL BANKER REALTY · David Leventhal. MLS #A4698810.

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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