3436 97TH LANE E, PALMETTO, FL, 34221
Active0 days on marketListed Aug 7, 2026MLS #A4702307
About this home
3436 97TH LANE E
Welcome to your dream Florida retreat in the highly desirable Gillette Grove community! This spacious 4-bedroom, 2-bathroom single-family home offers the ideal combination of comfort, functionality, and low-maintenance coastal living in fast-growing Palmetto—complete with an installed home security system for added peace of mind. Step inside to an inviting layout filled with natural light, where beautiful first-floor tile flows throughout the main living spaces. Designed for easy everyday living with distinct functional zones, the layout features comfortable living areas and a practical kitchen equipped with a spacious pantry for maximum organization. The thoughtful floor plan also includes an interior hallway laundry area conveniently located right off the garage entry, alongside durable, low-maintenance finishes throughout.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,780
Sqft
0.11 ac
Lot size
2
Garage
2013
Year built
Two
Levels
$171
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,453 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,453/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−9.5%
Days on market
0 vs 56 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Gillette Grove
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Gillette Grove — neighborhood snapshot
Population
438
Median age
34
Median income
$84,500
Median home value
$259,100
Avg household
3
Households w/ children
47%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3436 97TH LANE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3436 97TH LANE E — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3436 97TH LANE E FAQs
What would the monthly payment be for 3436 97TH LANE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,453/mo — principal and interest, the actual property-tax bill, the $64/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3436 97TH LANE E?+
The association fee works out to $64 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3436 97TH LANE E?+
The most recent tax bill on record (2025) was $2,676. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3436 97TH LANE E?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $474,900, this home is listed about 20% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3436 97TH LANE E?+
James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of PALM PARADISE REALTY GROUP · Abigail Connolly. MLS #A4702307.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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