903 20TH AVENUE W, Palmetto, FL, 34221 | $1,150,000

From the moment you arrive, 903 20th Ave W charms with its beautiful curb appeal—but it’s what awaits beyond the front door that truly sets this waterfront retreat apart. Step inside and be instantly captivated by stunning canal views, thoughtful design, and a lifestyle tailored for comfort, relaxation, and adventure. Set on an 80-foot-wide deep-water canal with direct Gulf and Bay access—no bridges!, this home is a haven for boating enthusiasts. The 14' x 60' composite dock features water, power, and lighting, along with a 7, 500 lb boat lift for vessels up to 27 feet. Got a larger boat? No problem—your dock features a 15/30/50-amp power station and maintains 5-foot depth at low tide, ideal for boats up to 60 feet. The backyard feels like your own private resort, with a zero-maintenance riprap seawall, lush tropical landscaping, and a dockside retreat complete with cozy swings, waterproof Bluetooth speakers, and front-row seats to passing manatees and glowing sunsets. Anglers will love the 320 lb/day ice machine and 10-cubic-foot chest freezer, while the 11’ x 22’ heated and cooled pool—complete with misting fans—makes everyday feel like a spa day. Inside, rich ¾” solid rosewood floors, a charming wood-burning fireplace, and a sun-drenched Florida room with eight sliders set the tone for elegant coastal living. The primary suite is its own private escape, featuring a spa-like en-suite with custom vanities, Norstone stacked stone shower walls, and beadboard ceiling details. The flex room is as functional as it is beautiful—offering a custom home office, laundry cabinetry, wine storage, and a walk-in pantry with pull-out shelving. Thoughtful upgrades continue throughout, including hurricane shutters, plantation shutters, a metal roof, integrated speakers and security cameras, and an 8' x 16' cedar-lined shed for extra storage. Built to last and thoughtfully maintained, this home has withstood recent storms with NO damage or water intrusion. Ideally located near Sarasota, Bradenton, Tampa, and St. Pete, you're minutes from beaches, major highways, three international airports, and the Bradenton Yacht Club, complete with a boat ramp, tiki bar, and social events. No HOA means total freedom—whether you’re looking for a full-time residence, seasonal getaway, or an Airbnb investment, this property checks all the boxes. Don’t just drive by—schedule your private tour of 903 20th Ave W today and discover the Florida waterfront lifestyle you’ve been waiting for. Bring an offer and make this your new home!

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Year Built: 1981
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,368
  • Acreage: 0.22
  • Est. Taxes: $4,425
  • View: Garden, Pool, Water
  • Elem. School: Palmetto Elementary-MN
  • Middle School: Lincoln Middle
  • High School: Palmetto High
  • Pool: Auto Cleaner, Gunite, Heated, In Ground, Lighting, Screen Enclosure, Tile
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
  • MLS#: A4637858
  • Days on Market: 102 days
  • Website: https://www.raveis.com
    /eprop/A4637858/90320thavenuew_palmetto_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). 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. (last updated 5/11/2025 5:02:07 AM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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903 20TH AVENUE W, Palmetto, FL, 34221

$1,150,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $920,000 $920,000 $920,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.625% 6.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.861% 6.751% 6.666%
Monthly Tax Payment $369 $369 $369
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,590 $5,891 $8,014
Total Monthly Payment $6,084 $6,385 $8,508

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.