1003 21ST AVENUE W, PALMETTO, FL, 34221
Active29 days on marketListed Jul 8, 2026MLS #A4699305
About this home
1003 21ST AVENUE W
This charming Palmetto single-family residence boasts a cozy yet spacious layout with 3 bedrooms, 2 bathrooms, dining/living room combo, spacious family room with fireplace, and a versatile den/flex room that can be customized to suit your lifestyle. The kitchen is a culinary delight, featuring bright white cabinets, stainless steel appliances and an island for meal preps. Entertain friends and family in the inviting living spaces, or retreat to the backyard screened lanai and pool, perfect for relaxation and fitness. Utility room/laundry located in garage. Minutes to Snead Island and Emerson Point Preserve for trails, kayaking, birding and sunset lookouts - plus convenient to Riverwalk dining/events, marinas and boat ramps with quick connections to US41/301, I-275-I-75, downtown Bradenton/Palmetto, and an easy drive to the Gulf beaches of Anna Maria Island. There are no HOA, CDD fees or deed restrictions so bring your boat, work vehicle, or toys - no approvals needed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,320
Sqft
0.18 ac
Lot size
1
Garage
1974
Year built
One
Levels
$288
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.
$2,709 /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
$2,709/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
−12.3%
$/sqft vs Palmetto actives
$288 vs $208
Days on market
29 vs 56 typical
Where $288/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 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 → $350K
Palmetto median sold, yr/yr
97.1%
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 4% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1003 21ST AVENUE W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$258,000
2002 10TH STREET W · same community
2 bd · 1 ba · 1,056 sqft · $244/sqft · 27 DOM
Sold · May ’26$349,000
1103 20TH AVENUE W · same community
4 bd · 3 ba · 1,928 sqft · $181/sqft · 151 DOM
Sold · Dec ’25$382,500
3304 7TH STREET COURT W
3 bd · 2 ba · 1,320 sqft · $290/sqft · 186 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 1003 21ST AVENUE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1003 21ST AVENUE 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
1003 21ST AVENUE W FAQs
What would the monthly payment be for 1003 21ST AVENUE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,709/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 1003 21ST AVENUE W?+
The most recent tax bill on record (2025) was $1,723. 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 $380,000, this home is listed about 4% below the Palmetto median of $394,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palmetto market on paper
$380,000 is 4% below the Palmetto median of $394,999.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $399,000, now $380,000 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Michelle Musto. MLS #A4699305.
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 1003 21ST AVENUE W 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 →