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$574,900

3808 109TH STREET E, PALMETTO, FL 34221

3D Tour
Active157 days on market

Beds

5

Baths

3

Sq Ft

3,134 sq ft

Year Built

2026

Lot Size

0.21 acres

Garage

2

About This Property

Under Construction. Front porch opens into a two-story entryway that is embraced by French doors that welcome you into the secluded home office. Past the staircase you enter the kitchen space which features an island with built-in seating, an electric radiant cooktop, and an oversized walk-in pantry. The dining area connects the space to the family room. Sliding glass doors that overlooks the backyard covered lanai and extended ceilings complete the family room. The primary bedrooms boasts three large windows. Double doors lead into the primary bathroom which features dual vanities, a freestanding tub, glass enclosed shower, and large walk-in closet. A secluded guest suite with a full bathroom is located across the dining area. Upstairs you are greeted by a large game room overlooking the first floor. Two secondary bedrooms and a full bathroom complete the second level. Ample storage space throughout the home along with a conveniently located laundry room off the drop zone. Two-car garage.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8508903
StatusActive
Year Built2026
Total Rooms9
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionMANDARIN GROVE
CountyManatee
OwnershipFee Simple
New ConstructionYes

Interior Features

InteriorCeiling Fan(s), High Ceilings, Open Floorplan, Solid Surface Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
FlooringCarpet, Laminate
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Exhaust Fan, Microwave, Range Hood
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsENERGY STAR Qualified Windows, Shutters
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorSliding Doors
Lot Size0.21 acres (9,157 sq ft)
Lot Dimensions55 x 166
Lot FeaturesGreenbelt
Road SurfaceAsphalt
ViewWater
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Sewer Connected, Sprinkler Meter, Sprinkler Recycled, Street Lights, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$19 / Monthly
Senior CommunityNo

Financial Details

List Price$574,900
Original Price$684,900
FinancingCash, Conventional, FHA, VA Loan
ZoningRESIDENTIA
Parcel #612306909

Schools

ElementaryJames Tillman Elementary
MiddleBuffalo Creek Middle
HighPalmetto High

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

3808 109TH STREET E, PALMETTO, FL 34221

Listing Information

OfficePERRY HOMES
ListedMay 15, 2026

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Home Price

$574,900

20% ($114,980)
6.75%

Loan Term

Principal & Interest$2,983
Property Tax (est.)$527
Insurance (est.)$150
Total Monthly$3,660
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $574,900 home in PALMETTO.

🏛️

FHA Loan

$20,122 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

$28,745 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: October 19, 2026.

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