
4319 15TH WAY, PALMETTO, FL, 34221
Active28 days on marketListed Jul 2, 2026MLS #A4698810
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
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 and the real association fee — not generic estimates.
$3,841 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,841/mo
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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto 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
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.
Sold · Jul ’26$633,250
4329 14TH STREET CIRCLE · same community
3 bd · 3.5 ba · 3,106 sqft · $204/sqft · 82 DOM
Sold · Aug ’25$360,000
3405 10TH STREET W
3 bd · 2 ba · 1,852 sqft · $194/sqft · 84 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4319 15TH WAY — start here.

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.
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.
Keep looking
Similar homes nearby
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.
Never miss a listing
New Palmetto homes, in your inbox
Like 4319 15TH WAY 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 →


