David Ramirez
$4,650,000$6,750,0004 bd6 ba9,266 sqft$502 /sqft$30,465 /mo all-in ↓

2107 4TH STREET COURT W, PALMETTO, FL, 34221

Active480 days on marketListed Apr 24, 2025MLS #C7509086

Reduced $2.1MWaterfrontPrivate poolFully furnishedSingle Family ResidenceRICHARDS ADD TO PALMETTO

About this home

2107 4TH STREET COURT W

Over 9,000 square feet of Furnished and Decorated Gulf-access waterfront living; an exceptional boating estate along Florida’s Gulf Coast. Set on over half an acre in historic Palmetto, just minutes across the bridge from vibrant Downtown Bradenton, this remarkable property offers deep, navigable water, a private dock, and a 13,000-lb boat lift providing direct access to Tampa Bay and the Gulf of Mexico; ideal for boating, waterfront dining, and spectacular sunset cruises. This high-and-dry residence has never experienced water intrusion from any storm and includes transferable flood insurance currently under $5,000/year, offering valuable peace of mind for waterfront ownership. Inside, refined coastal design unfolds across more than 9,000 square feet of living space, now offered fully furnished with curated furnishings and artwork (with a few exclusions) for a seamless move-in experience. The chef’s kitchen is designed for both entertaining and everyday living and features Sub-Zero refrigeration, Wolf gas cooking, double ovens, dual Miele dishwashers, built-in Miele coffee system, warming drawer, prep sink, ice maker, and generous workspace. Expansive living areas flow effortlessly to outdoor entertaining spaces where a resort-style pool and spa, outdoor kitchen with a new premium grill, gas fire features, and panoramic waterfront views create the perfect setting for relaxing or hosting guests. Additional highlights include a temperature-controlled wine cellar, billiards and bar room, private theater with projector system, exercise room, library/office, and convenient ground-level elevator access. The main-level primary suite offers spa-inspired comfort with direct access to outdoor living, while each additional bedroom features its own private en-suite retreat. The home also includes two full laundry rooms, ideal for larger households or extended-stay guests. Smart-home enhancements include Ring security, Alexa-enabled lighting, whole-home stereo, integrated central vacuum, solar-assisted water heaters, enhanced exterior door locks, and a Tesla EV charger. A brand-new tile roof (2025) further enhances durability and long-term value. With deep-water boating access, expansive sunset views, fully furnished living spaces, and proximity to marinas, dining, parks, and the charm of historic Palmetto, this remarkable estate delivers luxury coastal living on an impressive scale.

Facts & features

The home at a glance

4

Bedrooms

6

Bathrooms

9,266

Sqft

0.58 ac

Lot size

4

Garage

2011

Year built

Two

Levels

$502

Per sqft

Private poolWaterfrontFireplaceWater viewFurnishedPets allowed

Inside

FlooringBrick/Stone · Carpet · Engineered Hardwood · Luxury Vinyl · Travertine · Hardwood
AppliancesBar Fridge · Built-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Other · Range · Range Hood · Refrigerator · Solar Hot Water · Solar Hot Water Owned · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Coffered Ceiling(s) · Crown Molding · Elevator · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Pest Guard System · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Inside · Laundry Room · Other · Upper Level · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofConcrete · Metal · Tile
ConstructionBlock · Brick · Stone · Stucco · Wood Frame
FoundationSlab
ViewWater
FacesNortheast
ParkingDriveway · Electric Vehicle Charging Station(s) · Garage Door Opener · Garage Faces Side · Ground Level · Oversized · Split Garage · Workshop in Garage
ExteriorBalcony · French Doors · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$41,641/yr
PetsYes
CommunityNone

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Fiber Optics · Phone Available · Propane · Public · Sewer Available · Sewer Connected · Sprinkler Recycled · Underground Utilities · Water Available · 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.

$30,465 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$25,091
PMI (est., until 20% equity)$1,744
Property tax — 2024 actual bill$3,470
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $465,000Loan30-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% · $465,000
Interest rate6.00%
Loan term

Estimated payment

$30,465/mo

Principal & interest$25,091
PMI (est., until 20% equity)$1,744
Property taxes (actual bill)$3,470
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

$502 vs $206

Days on market

480 vs 61 typical

Where $502/sqft sits among the 400 Palmetto actives

136
152
61
18
16
17 · this home
$123–186$186–249$249–312$312–376$376–439$439+

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 Historic District

Map of 2107 4TH STREET COURT W inside its neighborhood boundary

Drive times from this address

Downtown Tampa51 min
Tampa Int’l Airport (TPA)54 min

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

Get to know Palmetto. See the full Palmetto guide →

Palmetto Historic District — neighborhood snapshot

Population

2,006

Median age

46

Median income

$74,759

Median home value

$249,458

Avg household

3

Households w/ children

180

For the school run

Manatee County School District

ElementaryPalmetto Elementary School★★★★★
MiddleLincoln Memorial Middle School★★★★
HighPalmetto High 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 1149% above the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

CurrentPrice reduced to $4,650,000 $2.1M
Apr 24, 2025Listed at $6,750,000 · 480 days on market since
2011Built · RICHARDS ADD TO PALMETTO

Reality check

What actually sold near 2107 4TH STREET COURT W

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

213 N 18TH STREET WSold · Apr ’26

$3,500,000

213 N 18TH STREET W

4 bd · 4.5 ba · 4,252 sqft · $823/sqft · 41 DOM

3101 RIVERVIEW BOULEVARDSold · Nov ’25

$1,450,000

3101 RIVERVIEW BOULEVARD

5 bd · 4.5 ba · 4,092 sqft · $354/sqft · 4 DOM

4809 RIVERVIEW BOULEVARDSold · Sep ’25

$1,575,000

4809 RIVERVIEW BOULEVARD

5 bd · 4.5 ba · 3,684 sqft · $428/sqft · 22 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 2107 4TH STREET COURT 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 2107 4TH STREET COURT 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

2107 4TH STREET COURT W FAQs

What would the monthly payment be for 2107 4TH STREET COURT W?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $30,465/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 2107 4TH STREET COURT W?+

The most recent tax bill on record (2024) was $41,641. 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 2107 4TH STREET COURT 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 $4,650,000, this home is listed about 1077% above the Palmetto median of $394,999. The market section on this page shows how the area is trending.

Which schools are assigned to 2107 4TH STREET COURT W?+

Palmetto Elementary School (elementary), Lincoln Memorial Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$4,650,000 runs 1149% above the PALMETTO 34221 median — but at 9,266 sqft it's also nearly 5 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.

03Time on market is leverage

480 days on market against a Palmetto median of 61 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $6,750,000, now $4,650,000 — a $2.1M cut. The full history is in the market section below.

Listing courtesy of KW FLORIDA LIVING · Jessica Steinberg. MLS #C7509086.

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 2107 4TH STREET COURT 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 →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 17, 2026 at 2:04 PM UTC. The listing information on this page last changed on August 17, 2026 at 2:04 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 17, 2026 at 2:04 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 17, 2026 at 2:04 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.