4016 86TH STREET E, Palmetto, FL, 34221 | $399,000

Welcome to one of the best values in Palmetto, Florida. Built in 2023 with over 2, 500 square feet, this four bedroom, two and a half bathroom home offers modern construction, a functional layout, and a peaceful water view lot all under $400, 000 in Manatee County.

Inside, the open concept design connects the kitchen, dining, and family room for seamless everyday living and entertaining. The kitchen features modern finishes, a recently added designer backsplash, ample cabinetry, and a large center island. Natural light fills the space and draws your eye to tranquil pond views.

A flexible bonus room near the entry works perfectly as a home office, dining room, gym, or playroom, with a convenient half bath on the first floor.

Upstairs, a spacious loft provides additional living space, while all four bedrooms are privately situated on the second level. The primary suite offers a well appointed ensuite bath and generous walk in closet. The remaining bedrooms share a full bath and provide flexibility for family or guests.

Out back, recently added patio pavers expand your outdoor entertaining space, all overlooking a peaceful pond that adds privacy and open views.

Located in Palmetto, FL 34221 with quick access to I 75, you are minutes to Lakewood Ranch, Ellenton Premium Outlets, Downtown Bradenton, and a short drive to Anna Maria Island beaches. Shopping, dining, and daily conveniences are all close by.

Newer construction with this size, bedroom count, water view lot, and price point is increasingly rare in North Manatee County.


Schedule your private showing today and experience the value for yourself.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Year Built: 2023
  • Garage: 2-car Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,532
  • Acreage: 0.14
  • Est. Taxes: $3,976
  • HOA Fee: $90 Monthly
  • View: Water
  • Elem. School: James Tillman Elementary
  • Middle School: Buffalo Creek Middle
  • High School: Palmetto High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: A4677144
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/A4677144/401686thstreete_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 3/25/2026 5:17:09 PM)
Listing courtesy of KELLER WILLIAMS CLASSIC GROUP   Phone: 941-900-4151

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4016 86TH STREET E, Palmetto, FL, 34221

$399,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $319,200 $319,200 $319,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.533% 5.900%
Monthly Tax Payment $331 $331 $331
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,914 $1,991 $2,629
Total Monthly Payment $2,320 $2,397 $3,035

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.