Single Family Residence in HERITAGE BAY, PALMETTO · No CDD
HERITAGE BAY · PALMETTO, FL 34221 · Manatee
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,825Sq Ft
1991Year Built
$247Per Sq Ft
4-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
69% below
$/sq ft vs community
$247 here vs $806 median sold (12 mo)
Buyer leverage
Balanced market
65 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~5 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 4319 15Th Way in Heritage Bay, Palmetto is listed at $450,000 (1,825 sq ft, about $247 per sq ft). That is 65% below Heritage Bay's median closed sale of $1,282,500 over the last 12 months (20 recorded sales). Per square foot it is below the community's recent $806/sq ft by about 69%. It has been 65 days on market. Listing facts: built in 1991, HOA dues of $101/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1991 · 35 yrs
1,825 sq ft of living area
4-car garage
65 days on market
HOA $101/mo (per listing)
Momentum Research · ILEXHURST
Pricing & the ILEXHURST market
How this home is priced against recent nearby sales, and where ILEXHURST has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in ILEXHURST
Each dot is a closed sale since 2004 (184 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $247/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 32 (cold).
Property timeline
This home’s history
1991BuiltPer public record
Jul 10, 2026First trackedObserved at $450,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,060/mo
Principal & interest $2,337/mo76%
Taxes $394/mo13%
Insurance $228/mo7%
HOA $101/mo3%
$3,060/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Manatee County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $7,550/yr ($629/mo)
-$625 more each year
(--8%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$101,625
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
68/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
68/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $247/sq ft vs the community 12-month median $806/sq ft.
Affordability100
List price $450,000 vs the community median $1,282,500. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost28
From FEMA Zone AE and a 1991 build. Obtain a property-specific quote.
Market liquidity40
Community median 74 days on market (12-month record).
Renovation upside60
From a 1991 build and $247/sq ft vs the community median $806/sq ft. Not a condition assessment.
Pricing power100
Recent sales closed at about 86.7% of original asking (~13.3% below). More room below asking generally favors buyers.
Market timing68
Momentum Market Heat is 32/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $247 per square foot, about 69% below the community’s $806 median. ILEXHURST’s 12-month median sold price per square foot is $806. Median sold price per square foot is down 0.4% year over year. Confidence: High · 20 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent ILEXHURST sales closed near 86.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3083 active listings in ILEXHURST, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to the highly sought-after Heritage Bay community on beautiful Snead Island, where coastal charm, privacy, and the timeless appeal of Old Florida create an exceptional place to call home. This elevated Key West-style residence offers 3 bedrooms, 2 bathrooms, and an oversized garage with room for 4+ vehicles, boats, golf carts, and recreational toys, plus a dedicated workshop. The spacious galley kitchen features granite countertops, solid ivory wood cabinetry, decorative tile backsplash, Samsung stainless steel appliances, Kenmore Washer and Dryer and a convenient butler's pantry.
The open living area is filled with natural light and flows seamlessly to expansive covered porches with preserve views and glimpses of Terra Ceia Bay. The home features beautiful 20" x 20" decorative ceramic tile throughout the main living areas, while all bedrooms are comfortably carpeted. The private primary suite offers a spacious walk-in closet and an impressive en-suite bath with dual vanities, large soaking tub, huge tiled walk-in shower, private water closet, and direct access to the rear balcony.
Upstairs, the versatile third-floor loft with impact windows and a private balcony can serve as a guest suite, home office, media room, or playroom. Outdoor living is one of this home's greatest features. Enjoy the welcoming front porch, spacious rear porch overlooking the preserve, or head to the rooftop sun deck for panoramic bay views.
Recent improvements include a new metal roof, new electrical panel, impact-rated front entry door, and impact windows in the third-floor loft. Heritage Bay residents enjoy access to a community pool and tennis courts just a short stroll from the home. Living on Snead Island is about much more than owning a home—it's embracing a lifestyle.
Home to approximately 300 residences, the island offers a peaceful atmosphere with only a handful of commercial businesses, including the Bradenton Yacht Club, marina, and local nursery. With no traffic lights, minimal traffic, and one road in and out, residents enjoy a relaxed pace of life that is becoming increasingly rare. Just minutes away is Emerson Point Preserve, a stunning 500-acre State Park where Tampa Bay, Terra Ceia Bay, and the Manatee River meet.
Enjoy miles of walking and biking trails, kayak launches, an observation tower, abundant wildlife, a dog-friendly beach, picnic areas, and spectacular sunsets year-round. The island's welcoming community is one of its greatest treasures. Neighbors travel by golf cart, ride horses, walk dogs, and gather together throughout the year.
A beloved holiday tradition lights the island's streets with candlelit sandbags each December, creating a magical setting and strong sense of community that makes Snead Island so special.
Description provided by COLDWELL BANKER REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$450,000
Bed / bath3 / 2
Living area1,825 sq ft
Year built1991
Property typeSingle Family Residence
Garage4-car
MLS #A4698810
Listing status65 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~5 ft
Windstorm exposureLow
CountyManatee
Area listings3083 active · 979 under contract
Estimated first-year tax~$4,725/yr
CDD assessmentNone on record
HOA (per listing)$101/mo
Calculated estimates
Price per sq ft$247
Estimated monthly payment$3,060
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$1,282,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of COLDWELL BANKER REALTY · Listing agent: David Leventhal · 941-383-6411Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$1,293,925the mess$1,647,975
Actual list price: $450,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1991 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $101/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 65 days on market vs. a 74-day community median
2837 active listings competing, 778 under contract
For reference, this home is listed at $450,000 ($247/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,825 sq ft × $709–$903/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near HERITAGE BAY
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $450,000Momentum Realty · on market 65 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,725/yr
A rough first-year estimate only, applying a typical Manatee rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$101/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~5 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by COLDWELL BANKER REALTY · MLS # A4698810
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Market data · public records
Recent sales activity in HERITAGE BAY
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HERITAGE BAY neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$1,282,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$806
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HERITAGE BAY
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Florida's new state budget funds five major Manatee County projects
The 2026 state budget signed by Gov. Ron DeSantis directs 12.4 million dollars to five Manatee County projects, including the Singletary Road Bridge replacement, a 51st Street West extension in Bradenton, and design work for a Fort Hamer Road and I-75 interchange. The list also funds Fresh Start Manatee Phase 2 and the Valor Commons veterans hub.
Why it matters: State funding for road, bridge and interchange work expands transportation infrastructure and supports future growth capacity across Manatee County. The site is about 4 miles east of Zz Stellar Manatee Unassigned.
The Manatee County Commission advanced business terms for the next phase of an 80 million dollar, 190,000 square foot sports complex at Premier Sports Campus in Lakewood Ranch, featuring four ice rinks including a 2,500 seat arena plus retail, restaurants and sports medicine space. Construction is expected to begin in 2027 with an opening targeted for 2028.
Why it matters: A large ice and sports complex adds indoor recreation and commercial space to the Lakewood Ranch area and expands the local sports tourism venue base. The project is about 18 miles east of Zz Stellar Manatee Unassigned, elsewhere in Manatee County.
The City of Bradenton held a ceremonial groundbreaking for Future City Park next to LECOM Park, adding three new baseball fields, expanded parking and a community resource center offering education and career programs. Officials aim to complete all phases by 2028.
Why it matters: New ballfields, parking and a resource center expand public recreation and civic facilities in the Bradenton area. The project is about 3 miles east of Zz Stellar Manatee Unassigned, elsewhere in Manatee County.
Schools currently assigned to this address in Manatee County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Manatee County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,062 – $3,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,059 – −$214At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 4319 15Th Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1991 (35 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $101/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Manatee County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,825 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,725/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
PALMETTO
Groceries, dining, and parks for this city — see the city guide.
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 4319 15Th Way and when was it built?
Per the listing record, 4319 15Th Way was built in 1991 and has 1,825 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4319 15Th Way in?
4319 15Th Way is in Heritage Bay in Palmetto, Manatee County. The community section on this page shows recent closed sales, days on market, and active inventory for Heritage Bay from the same MLS data.
Does 4319 15Th Way have an HOA, and how much are the dues?
The listing reports HOA dues of $101 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4319 15Th Way differ from the current owner's?
The estimate on this page (about $4,725 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4319 15Th Way in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 4319 15TH WAY in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
