4538 35TH AVENUE CIRCLE E, PALMETTO, FL, 34221
Active55 days on marketListed May 30, 2026MLS #TB8513839
Come see it
Upcoming open house
Sat, Jul 25
11:00 AM – 2:00 PM
About this home
4538 35TH AVENUE CIRCLE E
PRICE REDUCED BY $24,900! PLUS, receive up to a $10,000 seller credit for an interest rate buydown or buyer's closing costs! Wake up each morning to the beauty of sparkling lake views right outside your window—this is the ultimate Florida lifestyle awaiting you in this exquisitely updated lakefront home boasting a private screened-in pool and breathtaking water views. This turnkey property offers the perfect blend of modern elegance, comfort, and peace of mind, having been meticulously updated from top to bottom with a brand-new roof installed in July 2023 for years of worry-free living and added long-term value. The heart of the home shines with a fully updated kitchen featuring elegant new granite countertops, a matching backsplash, and top-of-the-line appliances including a new Samsung refrigerator, Bosch dishwasher, and a new Samsung washer and dryer. Step inside to discover beautiful new luxury waterproof vinyl flooring that flows seamlessly throughout the main living areas and all three bedrooms, creating a clean, stylish, and durable foundation for your family, complemented by all-new light fixtures and five new matching ceiling fans with remotes that deliver both beautiful ambiance and practical comfort in every room. Outside, your private oasis comes with a completely rescreened lanai, a new pool pump and filter for crystal-clear swimming, and upgraded outdoor lighting that elegantly illuminates the entire home and pool area—setting the stage for unforgettable evening gatherings with friends or quiet, relaxing nights. Additional smart upgrades include a full ADT security system with cameras for added safety, new light switches throughout the home, and surge protectors installed on the AC unit and electrical panel to protect your investment. Located in the charming, well-maintained Sugar Mill Lakes community, this lakefront retreat provides exclusive access to wonderful recreational amenities, including a playground with a picnic area, tennis court, and basketball court—perfect for active families or weekend enjoyment. Whether you're seeking a peaceful waterfront escape or a vibrant community setting, this exceptional move-in-ready home delivers it all and is priced to sell with recent upgrades that make it a rare lakefront opportunity that won’t stay on the market long. Don’t miss your chance to own a slice of Florida paradise—schedule your private showing today and start living the lakefront dream!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,573
Sqft
0.2 ac
Lot size
2
Garage
2005
Year built
One
Levels
$270
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.
$3,274 /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
$3,274/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
+1%
$/sqft vs Palmetto actives
$270 vs $207
Days on market
55 vs 55 typical
Where $270/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 West Ellenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
West Ellenton — neighborhood snapshot
Population
11,596
Median age
42
Median income
$64,584
Median home value
$212,982
Avg household
3
Households w/ children
929
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)
214 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 16% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4538 35TH AVENUE CIRCLE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$434,900
4542 35TH AVENUE CIRCLE E · same community
3 bd · 2 ba · 1,767 sqft · $246/sqft · 86 DOM
Sold · Dec ’25$355,000
4710 35TH AVENUE E · same community
3 bd · 2 ba · 1,940 sqft · $183/sqft · 3 DOM
Sold · Sep ’25$415,000
4569 35TH AVENUE CIRCLE E · same community
4 bd · 2 ba · 2,060 sqft · $201/sqft · 235 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 4538 35TH AVENUE CIRCLE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4538 35TH AVENUE CIRCLE 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
4538 35TH AVENUE CIRCLE E FAQs
What would the monthly payment be for 4538 35TH AVENUE CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,274/mo — principal and interest, the actual property-tax bill, the $87/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 4538 35TH AVENUE CIRCLE E?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4538 35TH AVENUE CIRCLE E?+
The most recent tax bill on record (2025) was $4,046. 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 4538 35TH AVENUE CIRCLE 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 $425,000, this home is listed about 7% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4538 35TH AVENUE CIRCLE E?+
James Tillman Elementary Magnet 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
Three things that matter here
01Positioned at the premium end
$425,000 runs 16% above the PALMETTO 34221 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $449,900, now $425,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Shady David. MLS #TB8513839.
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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