$469,900
3812 109TH STREET EAST, PALMETTO, FL 34221
Beds
3
Baths
2
Sq Ft
2,011 sq ft
Year Built
2024
Lot Size
0.17 acres
Garage
2
About This Property
Under Construction. READY FOR MOVE-IN! The front porch opens into a welcoming entryway with an extended tray ceiling that embraces the main hallway. A bonus flex room overlooks the front yard right off the front door. A full guest suite with a private bathroom and ample closet space is off the main hallway. The kitchen features an island with built-in seating and walk-in pantry. The dining area flows from the kitchen to the connecting family room which offers plenty of natural light from its wall of windows and access to the backyard covered lanai. The primary bedroom has a wall of windows overlooking the backyard. Double doors lead into the bathroom which hosts dual vanities, a garden tub, glass enclosed shower, two walk-in closets and dual access to the laundry room. Two secondary bedrooms with a shared bathroom complete the home along with ample storage space throughout. The drop zone is located off the two-car garage.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From downtown Tampa, get on I-275 S across the Sunshine Skyway Bridge. After the bridge take exit 2 for US – 41/US-19 toward Palmetto/Ellenton. Continue on US-41 S for approximately 4 miles, then turn left onto 40th Avenue. Proceed on 40th Avenue, and 37th Avenue East will be on your right. Your destination will be on the left.
Location
3812 109TH STREET EAST, PALMETTO, FL 34221
Listing Information
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Pick a Day
Preferred Time
Home Price
$469,900
Loan Term
How to Buy This Home
Multiple financing options available for this $469,900 home in PALMETTO.
🏛️
FHA Loan
$16,447 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$23,495 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Manatee County SHIP
Varies
Income-qualifying Manatee residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: May 22, 2026.