3808 109th St E, Palmetto, FL, 34221
$207/sqft·Mandarin Grove
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At a glance
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
3808 109th St E is a 2026-built home in Mandarin Grove, Palmetto. Inside you'll find 5 bedrooms, 3 bathrooms, and 3,134 square feet of living space. Listed at $649,900 (about $207/sqft), 112 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $19 monthly.
Under Construction. Front porch opens into a two-story entryway that is embraced by French doors that welcome you into the secluded home office. Past the staircase you enter the kitchen space which features an island with built-in seating, an electric radiant cooktop, and an oversized walk-in pantry. The dining area connects the space to the family room. Sliding glass doors that overlooks the backyard covered lanai and extended ceilings complete the family room. The primary bedrooms boasts three large windows. Double doors lead into the primary bathroom which features dual vanities, a freestanding tub, glass enclosed shower, and large walk-in closet. A secluded guest suite with a full bathroom is located across the dining area. Upstairs you are greeted by a large game room overlooking the first floor. Two secondary bedrooms and a full bathroom complete the second level. Ample storage space throughout the home along with a conveniently located laundry room off the drop zone. Two-car garage.
The essentials
Location
Elementary
James Tillman Elementary
Middle
Buffalo Creek Middle
High
Palmetto High
Districts can re-zone, so verify directly with the district before relying on these.
Annual Tax (2026)
$0
Parcel #
612306909
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Subdivision
Mandarin Grove
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
9,157 sqft
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Property taxes estimated at 1.55% of price a year. 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.
Offer Insights
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Sample: 350 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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