4323 109TH STREET E, PALMETTO, FL, 34221
Active13 days on marketListed Jul 10, 2026MLS #A4699666
About this home
4323 109TH STREET E
Under Construction. RED TAG SALE: $20k Your Way to use towards closing costs, special interest rates and upgrade options with the use of our preferred lender - Now through Sunday, August 2nd. Find your home at Mandarin Grove, a family-centered community in the growing city of Palmetto. This neighborhood features a collection of single-family homes by D.R. Horton, offering a variety of floor plans to fit every lifestyle and stage of life. Whether you're a young professional, growing your family, or looking to downsize as an empty nester, Mandarin Grove has a home designed for you. Conveniently located just 10 minutes from the Sunshine Skyway Bridge, Mandarin Grove provides an easy commute to St. Petersburg and quick access to Interstate 75. You're also only 15 minutes from Ellenton Premium Outlets, where you'll find more than 120 designer and name-brand outlet stores for the whole family. Outdoor enthusiasts will love being close to Emerson Point Preserve, located on the western tip of Snead Island between the Manatee River and Terra Ceia Bay. The preserve offers scenic hiking trails, kayak launches, and opportunities to explore Florida's natural beauty. You'll also enjoy easy access to the Manatee River for boating and jet skiing. Come discover the lifestyle waiting for you at Mandarin Grove—and make it your new home. extending your living space outdoors.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,328
Sqft
0.21 ac
Lot size
2
Garage
2026
Year built
One
Levels
$259
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.
$2,356 /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
$2,672/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+5%
$/sqft vs MANDARIN GROVE
$259 vs $227
Days on market
13 vs 55 typical
Where $259/sqft sits among the 19 homes for sale in MANDARIN GROVE
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 →
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
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)
12 of 19
MANDARIN GROVE have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4323 109TH STREET E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$331,650
11014 44TH AVENUE E · same community
3 bd · 2 ba · 1,328 sqft · $250/sqft · 15 DOM
Sold · Jun ’26$323,000
10931 44TH AVENUE E · same community
3 bd · 2 ba · 1,328 sqft · $243/sqft · 34 DOM
Sold · Jan ’26$319,730
11002 44TH AVENUE E · same community
3 bd · 2 ba · 1,328 sqft · $241/sqft · 54 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 4323 109TH STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4323 109TH STREET E — 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
4323 109TH STREET E FAQs
What would the monthly payment be for 4323 109TH STREET E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,356/mo — principal and interest, estimated property taxes, the $19/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 4323 109TH STREET E?+
The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4323 109TH STREET E?+
The most recent tax bill on record (2026) was $0. 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 4323 109TH STREET E?+
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 $344,000, this home is listed about 14% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4323 109TH STREET E?+
James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of D.R. HORTON REALTY OF SARASOTA · Sarah Bordeaux. MLS #A4699666.
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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