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$4,650,000

2107 4TH STREET CT W
PALMETTO, FL 34221
Listed by Jessica Steinberg · KW FLORIDA LIVING
Bedrooms
4
Bathrooms
6
Living area
9,266 sqft
Year built
2011

About this home

Over 9,000 square feet of Furnished and Decorated Gulf-access waterfront living; an exceptional boating estate along Florida’s Gulf Coast. Set on over half an acre in historic Palmetto, just minutes across the bridge from vibrant Downtown Bradenton, this remarkable property offers deep, navigable water, a private dock, and a 13,000-lb boat lift providing direct access to Tampa Bay and the Gulf of Mexico; ideal for boating, waterfront dining, and spectacular sunset cruises. This high-and-dry residence has never experienced water intrusion from any storm and includes transferable flood insurance currently under $5,000/year, offering valuable peace of mind for waterfront ownership. Inside, refined coastal design unfolds across more than 9,000 square feet of living space, now offered fully furnished with curated furnishings and artwork (with a few exclusions) for a seamless move-in experience. The chef’s kitchen is designed for both entertaining and everyday living and features Sub-Zero refrigeration, Wolf gas cooking, double ovens, dual Miele dishwashers, built-in Miele coffee system, warming drawer, prep sink, ice maker, and generous workspace. Expansive living areas flow effortlessly to outdoor entertaining spaces where a resort-style pool and spa, outdoor kitchen with a new premium grill, gas fire features, and panoramic waterfront views create the perfect setting for relaxing or hosting guests. Additional highlights include a temperature-controlled wine cellar, billiards and bar room, private theater with projector system, exercise room, library/office, and convenient ground-level elevator access. The main-level primary suite offers spa-inspired comfort with direct access to outdoor living, while each additional bedroom features its own private en-suite retreat. The home also includes two full laundry rooms, ideal for larger households or extended-stay guests. Smart-home enhancements include Ring security, Alexa-enabled lighting, whole-home stereo, integrated central vacuum, solar-assisted water heaters, enhanced exterior door locks, and a Tesla EV charger. A brand-new tile roof (2025) further enhances durability and long-term value. With deep-water boating access, expansive sunset views, fully furnished living spaces, and proximity to marinas, dining, parks, and the charm of historic Palmetto, this remarkable estate delivers luxury coastal living on an impressive scale.

Highlights

WaterfrontPrivate poolFireplace

Property details

MLS #
MFRC7509086
Property type
Single Family Residence
Subdivision
RICHARDS ADD TO PALMETTO
Status
Active
Days on market
454
On market date
April 24, 2025
Stories
N/A
Total bathrooms
6
Garage spaces
4
Parking spaces
N/A
Lot size
0.58 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
PALMETTO ELEMENTARY SCHOOL
0.68 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
589
Student:teacher ratio
14.4:1
District
MANATEE
Middle
JUST FOR GIRLS MIDDLE SCHOOL
0.7 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
5.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
37
Student:teacher ratio
9.3:1
District
MANATEE
High
PALMETTO HIGH SCHOOL
1.34 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,984
Student:teacher ratio
22.5:1
District
MANATEE

Walkability

Blended score for PALMETTO's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). EPA National Walkability Index only -- nearby-amenity data not cached yet for this area.

38
Car-dependent
out of 100
EPA National Walkability Index
7.5 / 20 -- Below average walkable

Market position

How this listing compares to current activity in PALMETTO, from live MLS data.

On the market 454 days -- 346 more days than PALMETTO's current average of 108 days.
For reference, the median list price across 696 active listings in PALMETTO right now is $370,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Adjust tax / insurance estimates
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/mo
Est. monthly payment
$28,153/mo
$930,000 down
$3,720,000 loan
Principal & interest$24,128
Property tax (est.)$3,875
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated July 23, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.