
1810 4TH STREET E, PALMETTO, FL, 34221
Active261 days on marketListed Nov 5, 2025MLS #TB8444481
About this home
1810 4TH STREET E
Welcome to WaterSide at Sanctuary Cove. This Brilliant new WATERFRONT subdivision is located in the charming community of Palmetto. Surrounded by natural preserves and the waterways of Terra Ceia Bay, the Manatee River and the Gulf of Mexico, this jewel also includes a sweet Historic Downtown shopping and dining district and access to major thoroughfares leading to St. Petersburg, Bradenton, Sarasota and Tampa. This New Construction Energy Star home has Three Bedroom Suites, an office AND a Media Room. The open concept floorplan combines the large living area with gas fireplace, a gourmet kitchen with breakfast bar and an elegant dining room – all overlooking the peaceful waters of the marina basin. The waterfront Primary Suite has an ensuite bath with two vanities, private water closet, a stunning walk-in shower and a huge custom closet. Each of the guest suites have ensuite baths and custom closets. The kitchen has gorgeous café appliances; natural gas range, island sink and dishwasher, refrigerator, a built-in under-counter microwave and wine chiller. The powder bath and a large laundry room are on either side of the kitchen. Florida living is all about the outdoor space. This home has a covered lanai with al fresco kitchen making entertaining a dream. The gated community of Sanctuary Cove includes a Private Beach and Barbecue area along the River, Waterfront Pool and Clubhouse with fitness center, game room and gathering rooms. The channel lock from the marina to the river keeps the water level in the cove consistent, while allowing vessels access to the Manatee River and the Gulf. Plans available for Private Pool and Dock.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,008
Sqft
0.26 ac
Lot size
2
Garage
2024
Year built
One
Levels
$457
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.
$9,630 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,630/mo
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 SANCTUARY COVE
$457 vs $358
Days on market
261 vs 55 typical
Where $457/sqft sits among the 7 homes for sale in SANCTUARY COVE
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)
4 of 7
SANCTUARY COVE have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 277% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1810 4TH 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 · Dec ’25$1,450,000
1702 4TH ST E STREET E · same community
3 bd · 2.5 ba · 3,004 sqft · $483/sqft · 231 DOM
Sold · Dec ’25$1,625,000
1806 4TH STREET E · same community
4 bd · 3 ba · 3,056 sqft · $532/sqft · 101 DOM
Sold · Jul ’26$1,650,000
1802 4TH STREET E · same community
3 bd · 3.5 ba · 3,139 sqft · $526/sqft · 85 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 1810 4TH STREET E — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1810 4TH 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
1810 4TH STREET E FAQs
What would the monthly payment be for 1810 4TH STREET E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,630/mo — principal and interest, the actual property-tax bill, the $131/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 1810 4TH STREET E?+
The association fee works out to $131 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1810 4TH STREET E?+
The most recent tax bill on record (2025) was $16,848. 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 1810 4TH 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 $1,375,000, this home is listed about 245% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1810 4TH 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.
The brief
Four things that matter here
01Positioned at the premium end
$1,375,000 runs 277% above the PALMETTO 34221 median — but at 3,008 sqft it's also 58% larger than 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
261 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,444,000, now $1,375,000 — a $69K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Tia Hockensmith. MLS #TB8444481.
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 1810 4TH STREET E 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 →


