903 20TH AVENUE W, Palmetto, FL, 34221 | $995,000

WOW WHAT A DEAL!!! STUNNING PALMETTO WATERFRONT POOL HOME THAT IS ABSOLUTELY MOVE-IN READY! Tucked away on a protected DEEP water canal with NO BRIDGES and direct access to the Manatee River, Tampa Bay, and the Gulf, this Key West inspired waterfront retreat is truly a boater’s dream. SELLER OFFERING HOME WARRANTY! From the moment you arrive, you’ll be captivated by the lush tropical landscaping and easy care xeriscape design that create a vibrant yet low maintenance setting. The striking curb appeal continues inside, where pride of ownership is undeniable. Beautifully maintained and thoughtfully updated, this home shines with meticulous care & attention to detail, a true showcase of quality and comfort for those who love life on the water! The great room design keeps your focus on the water views and natural light pouring in through the many windows and sliding doors. Gorgeous wood flooring adds richness throughout the main spaces, while a wood burning fireplace anchors the living area. The chef inspired kitchen exudes warmth and elegance with custom wood cabinetry, rich granite countertops, and a spacious center island perfect for entertaining. Stainless steel appliances, a built in wine cooler, and a sleek induction cooktop combine style and function, while under cabinet lighting and a designer backsplash add a refined touch. An open flow to the living and dining areas creates the ideal space for both everyday living and hosting with ease. The primary suite feels like a private hideaway with its spa-inspired bathroom, Norstone stone shower walls, custom double vanities, and charming beadboard ceilings. A multi-purpose bonus room adds flexibility with built-in office cabinetry, wine storage, a walk-in pantry, and additional laundry storage. The additional two bedrooms are generously sized and perfect for children or guests. Walls of glass in the sun-filled Florida room with eight sliding doors opening to the water, blurring the lines between indoor and outdoor living. The screened-in pool is heated & chilled, offering the perfect place to relax after a long day. This property has NEVER EXPERIENCED FLOODING, providing peace of mind that many waterfront homes cannot match. The real magic of this home is found by the water — featuring a 60-ft composite dock with water, power, lights, a fish-cleaning station, and a 7, 500-lb boat lift. For larger vessels, the dock provides 5 foot depth at low tide plus a 15/30/50-amp power station, making it ready for yachts up to 60 feet. Behind the home, a tropical backyard oasis unfolds with a low-maintenance riprap seawall, palms and native plantings, and a dockside lounge with built-in swings and Bluetooth speakers. Additional perks include a fantastic shed that doubles as a tackle locker and a covered outdoor area perfect for grilling. With NO HOA OR DEED RESTRICTIONS, it’s perfectly suited for a full-time residence, seasonal escape, or high-performing short term rental. Centrally located just minutes from Sarasota, Bradenton, St. Petersburg, and Tampa — with quick access to beaches, airports, and dining. Ride your bike to the 365-acre Emerson Point Preserve on Snead Island, offering nature trails, kayaking, and sunsets. The nearby Bradenton Yacht Club features a swimming pool, social events, boating amenities & dining. With its laid-back atmosphere, natural beauty, & strong sense of community, Palmetto is truly a special place. . . and this property is more than a home. . . it’s a way of life!

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 95 x 100
  • Laundry: Inside
  • Style: Key West, Ranch
  • Year Built: 1981
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,368
  • Acreage: 0.22
  • Lot Size: 95 x 100
  • Est. Taxes: $4,425
  • View: Water
  • Elem. School: Palmetto Elementary-MN
  • Middle School: Lincoln Middle
  • High School: Palmetto High
  • Pool: Auto Cleaner, Gunite, Heated, In Ground, Lighting, Screen Enclosure, Tile
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
  • MLS#: A4666409
  • Days on Market: 185 days
  • Website: https://www.raveis.com
    /eprop/A4666409/90320thavenuew_palmetto_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/26/2026 6:04:05 AM)
Listing courtesy of RE/MAX ALLIANCE GROUP   Phone: 941-758-7777

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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903 20TH AVENUE W, Palmetto, FL, 34221

$995,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $796,000 $796,000 $796,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $369 $369 $369
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,772 $4,901 $6,717
Total Monthly Payment $5,233 $5,362 $7,178

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.