3812 109th Street East, photo 1
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Overview

3 bd2 ba2,011 sqft2 car garageSingle Family
TypeSingle Family
HOA$15/mo
Built2024
Lot7,050 sqft
Living area2,011 sqft
Price / sqft$234
Garage2 car

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

About this home

High CeilingsIN Wall Pest SystemSidewalkStreet LightsBuilt-in OvenCooktopDishwasherDisposal

3812 109th Street East is a 2024-built home in Mandarin Grove, Palmetto. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,011 square feet of living space. Listed at $469,900 (about $234/sqft), 592 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $15 monthly.

From the listing

Under Construction. READY FOR MOVE-IN! The front porch opens into a welcoming entryway with an extended tray ceiling that embraces the main hallway. A bonus flex room overlooks the front yard right off the front door. A full guest suite with a private bathroom and ample closet space is off the main hallway. The kitchen features an island with built-in seating and walk-in pantry. The dining area flows from the kitchen to the connecting family room which offers plenty of natural light from its wall of windows and access to the backyard covered lanai. The primary bedroom has a wall of windows overlooking the backyard. Double doors lead into the bathroom which hosts dual vanities, a garden tub, glass enclosed shower, two walk-in closets and dual access to the laundry room. Two secondary bedrooms with a shared bathroom complete the home along with ample storage space throughout. The drop zone is located off the two-car garage.

The essentials

Built
2024
Price / sqft
$234
On market
592 days
Annual tax
$2,926
HOA
$15/mo
Flood zone
X · Low risk
Lot
7,050 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
2 car garage
7,050 sqft lot
Lot size
2,011 sqft
Living area

Payment

Est. monthly payment
$2,945/mo
Down payment (20%)
$93,980
Property taxes
$244/mo
HOA
$15/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
7,050 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
592
High Ceilings
IN Wall Pest System
Sidewalk
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Microwave
Range Hood
In a CDD (Community Development District) Flood Zone X
Annual Tax (2024)
$2,926
Parcel #
612306859

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
Mandarin Grove
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
7,050 sqft
HOA
$15/mo
TBD

Price history

Date
Event
Price
12/18/2025
Price change
Source: Stellar MLS #TB8355933
$469,900-1.1%
$234/sqft
-
Price change
Source: Stellar MLS #TB8355933
$474,900-19.6%
$236/sqft
2/27/2025
Listed for sale
Source: Stellar MLS #TB8355933
$590,900
$294/sqft

Neighborhood

3812 109th Street East
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $469,900
$465,000 – $469,900
98.8% – 100% of listTops out right at the list price
80% of listList price
224 of the last 446 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 592 after a $121,000 cut.

Sample: 446 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
$2,945/mo
Principal & interest$2,451
Property taxes$244
Insurance$235
HOA$15
Down payment20% · $93,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues 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

$469,900

$234 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,011 sq ft

Time on market

592 days

Year built

2024

Monthly payment

About $2,945/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,926 annual tax bill, insurance, and the $15/mo HOA fee.

HOA fee

$15/mo

Managed by TBD.

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 byPERRY HOMESListing agent: Toby JonesListing data from Stellar MLS, MLS# TB8355933.

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