
1802 5TH STREET E, PALMETTO, FL, 34221
Active98 days on marketListed Apr 17, 2026MLS #TB8498855
About this home
1802 5TH STREET E
Welcome to this COASTAL DREAM HOME with DEEDED BOAT SLIP & LIFT located in the highly sought-after gated WATERFRONT BOATING COMMUNITY of Sanctuary Cove, perfectly positioned along the Manatee River in a NON-FLOOD ZONE with direct access to the Gulf of America. Offering the most sought-after floor plan (BORETTO) 4 bedrooms, and 3 bathrooms, this smart home combines luxury finishes, thoughtful design, and true Florida waterfront living. From the moment you arrive, you’ll notice the elevated curb appeal with a tile roof, paver driveway, 8-foot glass front entry door, and screened front entry that invites in the coastal breeze, especially with no neighbors across the street, enhancing privacy and openness. Inside, the spacious open-concept layout features luxury vinyl plank flooring, tall ceilings, crown molding, plantation shutters, and premium paint throughout. Architectural details include a coffered living room ceiling, tray ceilings, and a stunning Florida-style pecky cypress wood accent feature that adds warmth and character. The chef’s kitchen is designed for entertaining with GE Profile stainless steel appliances, including a natural gas cooktop, double wall ovens, brand-new dishwasher, built-in refrigerator, quartz countertops, two-tone cabinetry (coastal gray and white island), upper cabinet lighting, and a custom beverage station with dual-zone wine storage. This desirable 3 -way split floor plan offers privacy for all. The primary suite is a luxurious retreat featuring a pecky cypress foyer, dual vanities, soaking Jacuzzi tub with jets, oversized walk-in shower with glass doors, marble basketweave flooring, and a spacious walk-in closet with custom California Closet systems. Three additional bedrooms are thoughtfully positioned, including a guest suite with its own bath and a flexible pool bath layout perfect for visitors and entertaining. The outdoor living space is truly exceptional. Step through the pocket sliding doors into your private screened lanai featuring a heated pool, oversized spa with fountain feature, and a ELEVATED outdoor kitchen with fantasy brown leather granite countertops. This space is ideal for year-round entertaining and Florida sunshine living. Additional upgrades include a spacious 3-car garage with custom built-in cabinetry, Samsung washer and dryer in a large laundry room with quartz folding counters, built-in storage, and a utility sink. Smart home features include WiFi-enabled lighting, outlets, switches, a Honeywell smart thermostat, built-in security system, and a smart video doorbell. This home also includes DEEDED BOAT SLIP #29 in the community marina, complete with water and electric, and a boat lift accommodating vessels up to 31 feet, offering direct deepwater access to the Gulf of America. Sanctuary Cove delivers an unmatched resort lifestyle with amenities including a beautiful clubhouse, heated pool and spa, fitness center, marina, beach and nature preserve, and vibrant community events such as holiday golf cart parades and seasonal gatherings. Lawn maintenance, trimming, and irrigation services are included for easy living. Conveniently located just minutes from I-75 and I-275, this home provides easy access to St. Petersburg, Tampa, Bradenton, and Sarasota, as well as nearby shopping and dining, including the FAMOUS Detwiler’s Market. This is more than a home. It’s a WATERFRONT LIFESTYLE. Luxury, location, and boating convenience all come together in one extraordinary property.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,581
Sqft
0.24 ac
Lot size
3
Garage
2019
Year built
One
Levels
$387
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.
$7,306 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,306/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+23.3%
$/sqft vs SANCTUARY COVE
$387 vs $358
Days on market
98 vs 55 typical
Where $387/sqft sits among the 7 homes for sale in SANCTUARY COVE
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 Palmetto
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
PALMETTO 34221 — neighborhood snapshot
Population
54,923
Median age
46.6
Median income
$74,314
Median home value
$298,200
Avg household
2.63
Households w/ children
4,466
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 → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
4 of 7
SANCTUARY COVE have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 174% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1802 5TH STREET E
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$1,010,000
1805 7TH ST E · same community
4 bd · 3 ba · 2,644 sqft · $382/sqft · 168 DOM
Sold · Feb ’26$620,000
2318 5TH STREET E · same community
3 bd · 3.5 ba · 2,507 sqft · $247/sqft · 176 DOM
Sold · Apr ’26$750,000
1709 8TH STREET E · same community
4 bd · 4.5 ba · 2,804 sqft · $267/sqft · 50 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1802 5TH STREET E — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1802 5TH STREET E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1802 5TH STREET E FAQs
What would the monthly payment be for 1802 5TH STREET E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,306/mo — principal and interest, the actual property-tax bill, the $273/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 1802 5TH STREET E?+
The association fee works out to $273 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1802 5TH STREET E?+
The most recent tax bill on record (2025) was $13,299. 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 1802 5TH STREET E?+
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 $999,000, this home is listed about 150% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1802 5TH STREET 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.
The brief
Three things that matter here
01Positioned at the premium end
$999,000 runs 174% above the PALMETTO 34221 median — but at 2,581 sqft it's also 36% larger than the typical Palmetto listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $1,089,000, now $999,000 — a $90K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HARRIS REAL ESTATE AND INVESTMENTS · Bruce Harris. MLS #TB8498855.
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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