

Overview
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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
- 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
10916 38th Terrace East is a 2026-built home in Mandarin Grove, Palmetto. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,024 square feet of living space. Listed at $624,900 (about $207/sqft), 129 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $19 monthly.
Under Construction. The two-story front porch welcomes you into the entryway. A secluded guest suite with full bathroom and large walk-in closet is off the main entrance. French doors lead into the home office that offers plenty of natural light. The kitchen features a large island with built-in seating, an electric radiant cooktop, and a corner walk-in pantry. The dining area is embraced by a corner of windows and allows access to the backyard covered lanai. The family room boasts tall ceilings and glass sliding doors. The primary bedroom has three large windows and a tray ceiling. Double doors lead to the bathroom which has dual vanities, a freestanding tub, glass enclosed shower, and oversized walk-in closet. Upstairs you are greeted by the game room which is surrounded by windows on two sides. Two secondary bedrooms each with walk-in closets and a shared bathroom complete the second level. The home offers ample storage throughout. The laundry room is located off the three-car garage that opens into the drop zone area.
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The essentials
At a glance
Payment
Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 444 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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 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
$624,900
$207 per sq ft
Beds and baths
4 beds, 4 baths
Size
3,024 sq ft
Time on market
129 days
Year built
2026
Monthly payment
About $3,890/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,594 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.
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