3909 PARK WILLOW AVENUE, PALMETTO, FL, 34221
Active10 days on marketListed Jul 28, 2026MLS #A4701210
About this home
3909 PARK WILLOW AVENUE
Move right in! No waiting for new construction! This builder favorite one story home offers the perfect blend of modern design, comfort, and convenience. The open concept floor plan is ideal for both everyday living and entertaining. At the heart of the home, the spacious kitchen features a large center island with bar seating, a walk-in pantry, white shaker cabinetry, and generous counter space. The fully fenced backyard adds space for pets, play, or gardening. Designed with a true split bedroom floor plan, the private owner's suite easily accommodates a king size bed and includes a large walk-in closet and an en-suite bath. Three additional bedrooms offer spacious closets and share a full bathroom, providing plenty of room for family or guests. Additional highlights include a roof that is only two years old and access to the community's swimming pool. Conveniently located with easy access to I-75 and major highways, this home is just minutes from Ellenton Premium Outlets, restaurants, parks, museums, and Florida's world famous Gulf Coast beaches. Don't miss this opportunity to own a move in ready home in a great location!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,827
Sqft
0.16 ac
Lot size
2
Garage
2018
Year built
One
Levels
$180
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.
$2,860 /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
$2,860/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
−10.2%
$/sqft vs Palmetto actives
$180 vs $206
Days on market
10 vs 56 typical
Where $180/sqft sits among the 400 Palmetto actives
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 Willow Hammock
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Willow Hammock — neighborhood snapshot
Population
2,129
Median age
34
Median income
$93,108
Median home value
$332,600
Avg household
4
Households w/ children
292
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)
229 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 3909 PARK WILLOW AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$320,000
4206 PARK WILLOW AVENUE · same community
3 bd · 2 ba · 1,516 sqft · $211/sqft · 99 DOM
Sold · Sep ’25$420,000
4005 WILLOW BRANCH PLACE · same community
5 bd · 2.5 ba · 2,802 sqft · $150/sqft · 81 DOM
Sold · Mar ’26$330,000
5803 32ND STREET E
3 bd · 2 ba · 1,829 sqft · $180/sqft · 89 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3909 PARK WILLOW AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3909 PARK WILLOW AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
3909 PARK WILLOW AVENUE FAQs
What would the monthly payment be for 3909 PARK WILLOW AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,860/mo — principal and interest, the actual property-tax bill, the $96/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 3909 PARK WILLOW AVENUE?+
The association fee works out to $96 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3909 PARK WILLOW AVENUE?+
The most recent tax bill on record (2025) was $6,257. 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 3909 PARK WILLOW AVENUE?+
The listing reports pets: Yes. 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 $329,000, this home is listed about 17% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3909 PARK WILLOW AVENUE?+
James Tillman Elementary Magnet School (elementary), Lincoln Memorial Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BOYD REALTY · Brenda Boyd May. MLS #A4701210.
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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