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Overview

5 bd3 ba2,605 sqft2 car garageSingle Family
TypeSingle Family
HOA$120/mo
Built2026
Lot6,960 sqft
Living area2,605 sqft
Price / sqft$162
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 NORTH
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

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

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

Kitchen/Family Room ComboOpen FloorplanSmart HomeThermostatWalk-in Closet(s)Hurricane ShuttersSidewalkSprinkler Metered

5423 Silver Moonlight Dr is a 2026-built home in Silverstone North, Palmetto. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,605 square feet of living space. Listed at $423,000 (about $162/sqft), 64 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 home has a large open-concept downstairs with a kitchen overlooking the living and dining room. The kitchen comes equipped with a refrigerator, electric range, microwave and built-in dishwasher. The first floor also features a flex room that provides an area for work or for play, a bedroom, full bathroom, and an outdoor patio. The second floor includes an expansive Bedroom 1, three additional bedrooms that surround a second living area, a third full bathroom, and a laundry room equipped with a washer and dryer. 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
$162
On market
68 days
Annual tax
$0
HOA
$120/mo
Flood zone
X · Low risk
Lot
6,960 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Water views
Water
Community pool
Shared amenity
2 car garage
6,960 sqft lot
Lot size

Payment

Est. monthly payment
$3,084/mo
Down payment (20%)
$84,600
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
6,960 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
68
Kitchen/Family Room Combo
Open Floorplan
Smart Home
Thermostat
Walk-in Closet(s)
Hurricane Shutters
Sidewalk
Sprinkler Metered
Deed Restrictions
Playground
Pool
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
James Tillman Elementary
Middle
Buffalo Creek 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 #
716946809

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 North
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
6,960 sqft
HOA
$120/mo
Access Management

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #A4701940
$423,000-0.2%
$162/sqft
-
Price change
Source: Stellar MLS #A4701940
$424,000-3.0%
$163/sqft
8/3/2026
Listed for sale
Source: Stellar MLS #A4701940
$436,990
$168/sqft

Neighborhood

5423 Silver Moonlight Dr
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $423,000
$417,500 – $423,000
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 68 after a $13,990 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
$3,084/mo
Principal & interest$2,206
Property taxes$546
Insurance$212
HOA$120
Down payment20% · $84,600
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

$423,000

$162 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,605 sq ft

Time on market

68 days

Year built

2026

Monthly payment

About $3,084/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# A4701940.

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