3808 109th St E, photo 1
Active
1 / 6

Overview

5 bd3 ba3,134 sqft2 car garageSingle Family
TypeSingle Family
HOA$19/mo
Built2026
Lot9,157 sqft
Living area3,134 sqft
Price / sqft$191
Garage2 car

Ask anything about this home

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
MANDARIN GROVE
Type
Single Family Residence

True monthly carry

HOA
~$19/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

Ceiling Fans(s)High CeilingsOpen FloorplanSolid Surface CountersThermostatTray Ceiling(s)Walk-in Closet(s)Pool

3808 109th St E is a 2026-built home in Mandarin Grove, Palmetto. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,134 square feet of living space. Listed at $599,900 (about $191/sqft), 150 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $19 monthly.

From the listing

Under Construction. Front porch opens into a two-story entryway that is embraced by French doors that welcome you into the secluded home office. Past the staircase you enter the kitchen space which features an island with built-in seating, an electric radiant cooktop, and an oversized walk-in pantry. The dining area connects the space to the family room. Sliding glass doors that overlooks the backyard covered lanai and extended ceilings complete the family room. The primary bedrooms boasts three large windows. Double doors lead into the primary bathroom which features dual vanities, a freestanding tub, glass enclosed shower, and large walk-in closet. A secluded guest suite with a full bathroom is located across the dining area. Upstairs you are greeted by a large game room overlooking the first floor. Two secondary bedrooms and a full bathroom complete the second level. Ample storage space throughout the home along with a conveniently located laundry room off the drop zone. Two-car garage.

The essentials

Built
2026
Price / sqft
$191
On market
150 days
Annual tax
$0
HOA
$19/mo
Flood zone
X · Low risk
Lot
9,157 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Water views
Water
Community pool
Shared amenity
2 car garage
Garage Door Opener
9,157 sqft lot
Lot size

Payment

Est. monthly payment
$4,223/mo
Down payment (20%)
$119,980
Property taxes
$0/mo
HOA
$19/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
9,157 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Days on Market
150
Ceiling Fans(s)
High Ceilings
Open Floorplan
Solid Surface Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Pool
Street Lights
Built-in Oven
Cooktop
Dishwasher
Exhaust Fan
Microwave
Range Hood
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 #
612306909

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
9,157 sqft
Greenbelt
HOA
$19/mo
Michelle Faro

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #TB8508903
$599,900-4.0%
$191/sqft
-
Price change
Source: Stellar MLS #TB8508903
$624,900-8.8%
$199/sqft
5/14/2026
Listed for sale
Source: Stellar MLS #TB8508903
$684,900
$219/sqft

Neighborhood

3808 109th St E
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $599,900
$595,000 – $599,900
98.8% – 100% of listTops out right at the list price
80% of listList price
223 of the last 445 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 150 after a $85,000 cut.

Sample: 445 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
$4,223/mo
Principal & interest$3,129
Property taxes$775
Insurance$300
HOA$19
Down payment20% · $119,980
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$599,900

$191 per sq ft

Beds and baths

5 beds, 3 baths

Size

3,134 sq ft

Time on market

150 days

Year built

2026

Monthly payment

About $4,223/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $19/mo HOA fee.

HOA fee

$19/mo

Managed by Michelle Faro.

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# TB8508903.

Keep exploring Florida

Pick up where you left off, or see what else is out there.