9018 OPTIMIST WAY, PALMETTO, FL, 34221
Active201 days on marketListed Jan 13, 2026MLS #R4910525
About this home
9018 OPTIMIST WAY
****SPECIAL FINANCING AVAILABLE FOR A LIMITED TIME ONLY FROM PREFERRED LENDER. RESTRICTIONS APPLY, FOR QUALIFIED BUYERS, SUBJECT TO APPLICABLE TERMS AND CONDITIONS. SUBJECT TO CHANGE WITHOUT NOTICE**** Welcome to Innovation at Southpointe! This stunning two-story home offers 2,286 square feet of thoughtfully designed living space and a spacious two-car garage. Step inside through the inviting foyer, where you’ll find access to the fourth bedroom and full bath, perfect for guests or a private home office. Continue into the heart of the home and discover an open-concept layout featuring a great room, dining area, and a modern kitchen ideal for entertaining. A sliding glass door off the dining space leads to a private patio, creating the perfect spot to enjoy the beautiful Florida outdoors. Upstairs, retreat to the luxurious owner’s suite, complete with a walk-in closet and en-suite bath. Two additional bedrooms share a full bathroom, and the conveniently located laundry room makes everyday living a breeze.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,286
Sqft
0.11 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$175
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.
$2,955 /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
$2,955/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
−9%
$/sqft vs SOUTHPOINTE
$175 vs $189
Days on market
201 vs 55 typical
Where $175/sqft sits among the 19 homes for sale in SOUTHPOINTE
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)
13 of 19
SOUTHPOINTE have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 9018 OPTIMIST WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$385,000
4335 OUTHAUL RUN · same community
3 bd · 2.5 ba · 2,286 sqft · $168/sqft · 62 DOM
Sold · May ’26$399,999
4320 OUTHAUL RUN · same community
3 bd · 2.5 ba · 2,424 sqft · $165/sqft · 116 DOM
Sold · Apr ’26$399,999
4319 OUTHAUL RUN · same community
3 bd · 2.5 ba · 2,424 sqft · $165/sqft · 5 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9018 OPTIMIST WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9018 OPTIMIST WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
9018 OPTIMIST WAY FAQs
What would the monthly payment be for 9018 OPTIMIST WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,955/mo — principal and interest, the actual property-tax bill, the $222/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 9018 OPTIMIST WAY?+
The association fee works out to $222 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9018 OPTIMIST WAY?+
The most recent tax bill on record (2025) was $500. 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 9018 OPTIMIST WAY?+
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 $399,999, this home is priced right at the Palmetto median.
Which schools are assigned to 9018 OPTIMIST WAY?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$399,999 runs 10% above the PALMETTO 34221 median — but at 2,286 sqft it's also 20% larger than the typical Palmetto listing.
02Time on market is leverage
201 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $419,999, now $399,999 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIWEST REALTY GROUP, LLC · Elizabeth Stephens. MLS #R4910525.
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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