
2207 5TH STREET W, PALMETTO, FL, 34221
Active211 days on marketListed Jan 14, 2026MLS #A4678042
About this home
2207 5TH STREET W
Some homes simply feel different the moment you arrive—and this Palmetto home is one of them. Designed for comfortable everyday living and memorable gatherings, it offers generous private spaces, quality construction, and uninterrupted sunset views that turn an ordinary evening at home into something special. Inside, wood floors create a warm, welcoming feel throughout most of the home, with durable tile in the laundry room and one additional room. The main-level primary suite includes a private office, giving you a peaceful place to work, read, or unwind. A second ensuite bedroom downstairs provides added privacy for overnight guests. Upstairs, every bedroom has its own private bathroom, so no one has to compete for space. An additional office or flex room can easily become a media room, second living area, hobby space, or home gym. At the heart of the home is a kitchen made for gathering, complete with quartz countertops, stainless steel appliances, a gas stove, and a walk-in pantry. Just outside, the outdoor kitchen sets the scene for weekend barbecues, dinners with friends, and quiet evenings spent watching the Florida sky light up at sunset. The thoughtful details continue behind the scenes. The home is built on a concrete stem wall foundation with a TJI floor system and includes a 38kW whole-home Generac generator installed in 2023. It is capable of powering the entire home and is protected by a transferable extended warranty through June 2030. A 500-gallon owned propane tank, two gas tankless water heaters, and a gas dryer hookup add convenience, efficiency, and peace of mind. This is more than a home with plenty of space. It’s a place where everyone can have a little privacy, still come together when it matters, and end each day with a sunset you may never get tired of.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,973
Sqft
0.55 ac
Lot size
3
Garage
1992
Year built
Two
Levels
$856
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 — not generic estimates.
$20,717 /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
$20,717/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 Palmetto actives
$856 vs $205
Days on market
211 vs 63 typical
Where $856/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 Palmetto Historic District
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Palmetto Historic District — neighborhood snapshot
Population
2,006
Median age
46
Median income
$74,759
Median home value
$249,458
Avg household
3
Households w/ children
180
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 → $359K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
229 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 811% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2207 5TH STREET W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,450,000
3101 RIVERVIEW BOULEVARD
5 bd · 4.5 ba · 4,092 sqft · $354/sqft · 4 DOM
Sold · Dec ’25$1,750,000
607 51ST STREET NW
4 bd · 3.5 ba · 4,200 sqft · $417/sqft · 13 DOM
Sold · Apr ’26$3,500,000
213 N 18TH STREET W
4 bd · 4.5 ba · 4,252 sqft · $823/sqft · 41 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
Arthur Middleton
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2207 5TH STREET W — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2207 5TH STREET W — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Arthur's phone and CRM.
Straight answers
2207 5TH STREET W FAQs
What would the monthly payment be for 2207 5TH STREET W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,717/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2207 5TH STREET W?+
The most recent tax bill on record (2024) was $11,226. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palmetto?+
At $3,400,000, this home is listed about 756% above the Palmetto median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2207 5TH STREET W?+
Palmetto Elementary 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
$3,400,000 runs 811% above the PALMETTO 34221 median — but at 3,973 sqft it's also nearly twice the size of 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
211 days on market against a Palmetto median of 63 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY - SARASOTA · Brooke Mailloux. MLS #A4678042.
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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