3902 76TH STREET E, PALMETTO, FL, 34221
Pending7 days on marketListed Jul 16, 2026MLS #TB8529416
About this home
3902 76TH STREET E
Comfort, style, and peace of mind come together in this beautifully maintained Palmetto home, ideally situated on a premium lot with no rear neighbors and no CDD fees. Inside, thoughtful upgrades set this home apart. New luxury laminate flooring (2025) flows throughout, complemented by crown molding in every room and updated lighting that gives the entire home a fresh, designer feel. The primary suite features an elegant trayed ceiling, creating a true retreat at the end of the day. A versatile den offers flexibility as a home office or fourth bedroom, while a bonus area between the additional bedrooms provides the perfect spot for a reading nook, study space, or play area. The list of recent improvements continues: a new A/C (2025) with a transferable warranty, a new dishwasher (2026), and fully paid solar panels that deliver energy savings from day one. A whole-home surge protector adds an extra layer of protection, and the irrigation system draws from the community pond, keeping the lawn lush without driving up the water bill. Outside, the lanai feature epoxy-coated floors backed by a lifetime warranty, and ceiling-mounted storage racks in the garage keep everything organized and off the floor. With its private backyard setting, low-maintenance upgrades, and move-in ready condition, this home offers the rare combination of style, comfort, and value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,980
Sqft
0.17 ac
Lot size
2
Garage
2016
Year built
One
Levels
$210
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.
$3,118 /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
$3,118/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
+10.9%
Days on market
7 vs 55 typical
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)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
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 3902 76TH STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3902 76TH 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
3902 76TH STREET E FAQs
What would the monthly payment be for 3902 76TH STREET E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,118/mo — principal and interest, the actual property-tax bill, the $58/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 3902 76TH STREET E?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3902 76TH STREET E?+
The most recent tax bill on record (2025) was $3,289. 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 3902 76TH STREET E?+
The listing reports pets: Cats OK, Dogs OK, 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 $414,900, this home is listed about 4% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3902 76TH STREET 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.
Listing courtesy of FIRESIDE REAL ESTATE · Nancy Monsipapa. MLS #TB8529416.
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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