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Overview

5 bd3 ba2,934 sqft2 car garageSingle Family
TypeSingle Family
HOA$120/mo
Built2026
Lot6,024 sqft
Living area2,934 sqft
Price / sqft$155
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
SILVERSTONE
Type
Single Family Residence

True monthly carry

HOA
~$120/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

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11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Open FloorplanSidewalkSprinkler MeteredFitness CenterParkPoolTennis Court(s)Dishwasher

5432 Silver Moonlight Dr is a 2026-built home in Silverstone, Palmetto. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,934 square feet of living space. Listed at $454,000 (about $155/sqft), 141 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $120 monthly.

From the listing

All Closing Costs Paid, Up to $5k Towards Options & Special Interest Rates with the use of our preferred lender - Now through Sunday, November 1st. MOVE IN READY! This two-story, all concrete block constructed, two-car garage home has a large open concept kitchen overlooking the great room and dining area that leads to a covered lanai. The first floor also provides a flex room upon entering the home, as well as a spacious guest bedroom and full bathroom. Upstairs there is a large bonus room, great for work or for play, as well as Bedroom 1 with ensuite bath, three additional bedrooms, a third full bathroom, and a well-appointed laundry room. This home comes with stainless-steel dishwasher, electric range, and microwave. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation.

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The essentials

Built
2026
Price / sqft
$155
On market
143 days
Annual tax
$0
HOA
$120/mo
Flood zone
X · Low risk
Lot
6,024 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
2 car garage
6,024 sqft lot
Lot size
2,934 sqft
Living area

Payment

Est. monthly payment
$3,301/mo
Down payment (20%)
$90,800
Property taxes
$0/mo
HOA
$120/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,024 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
143
Open Floorplan
Sidewalk
Sprinkler Metered
Fitness Center
Park
Pool
Tennis Court(s)
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Elementary
James Tillman Elementary
Middle
Lincoln Middle
High
Palmetto High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone x
Annual Tax (2026)
$0
Parcel #
716941659

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Silverstone
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
6,024 sqft
HOA
$120/mo
Access Management

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #A4694392
$454,000-0.2%
$155/sqft
-
Price change
Source: Stellar MLS #A4694392
$455,000-2.9%
$155/sqft
5/20/2026
Listed for sale
Source: Stellar MLS #A4694392
$468,590
$160/sqft

Neighborhood

5432 Silver Moonlight Dr
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $454,000
$447,500 – $454,000
98.8% – 100% of listTops out right at the list price
80% of listList price
223 of the last 444 home closings in 34221 landed at this number or higher (50%). The median one sat 46 days before it went under contract, and this one is on day 143 after a $14,590 cut.

Sample: 444 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,301/mo
Principal & interest$2,368
Property taxes$586
Insurance$227
HOA$120
Down payment20% · $90,800
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$454,000

$155 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,934 sq ft

Time on market

143 days

Year built

2026

Monthly payment

About $3,301/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $120/mo HOA fee.

HOA fee

$120/mo

Managed by Access Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byD.R. HORTON REALTY OF SARASOTAListing agent: Sarah ScharlachListing data from Stellar MLS, MLS# A4694392.

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