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13323 Shellmore Ave, Palmetto, FL, 34221

4beds
3baths
2,190sqft
$415,000
$189price/sqft
$2,890/moest. monthly cost
$115,600/yrincome needed

About This Home

Brand new, energy-efficient home available by Dec 2025! The Emilia offers 4 beds, 3 baths, and a 2-car garage in a spacious open layout. The kitchen overlooks the great room, dining area, and covered lanai, perfect for entertaining and everyday living. Coasterra Reserve Series offers new single-family homes in Palmetto, FL with a variety of floorplans, both single-story and two-story. Residents can enjoy the ideal Florida lifestyle with the community’s resort-style pool and cabana. With close proximity to I-75, this community offers easy access to St. Pete, Bradenton, Sarasota and beautiful Gulf Coast beaches. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
2/10
Palmetto High SchoolGrades 9-129.8 mi

Construction

Condition

  • Property condition: Completed
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Other

  • Builder model: 4M20
  • Builder name: Meritage Homes

Type & Style

  • Home type: SingleFamily
  • Architectural style: Craftsman,Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Open Floorplan,Split Bedroom,Thermostat,Walk-In Closet(s)
  • Flooring: Carpet,Ceramic Tile

Great Room

  • Level: First
  • Area: 336
  • Dimensions: 16x21

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,840
  • Total interior livable area: 2,190 sqft

Kitchen

  • Features: Pantry
  • Level: First
  • Area: 135
  • Dimensions: 9x15

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 208
  • Dimensions: 13x16

Property

Details

  • Parcel number: 589601609
  • Zoning: RES
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Irrigation System,Sidewalk

Lot

  • Lot size: 6,000 sqft
  • Lot size dimensions: 50 x 120

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Cold Wave
Lightning
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Manatee County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,098$25,176
Home Insurance *$310$3,720
Property Taxes $262$3,144
Electricity $220$2,644
Total$2,890$34,680
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$99,085/yr
40% on housing$86,700/yr
45% on housing$77,066/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.6%
3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$189This listing

vs Other Active Listings

Avg $/sqft

ZIP 34221$139
Manatee County$265

vs Homes Sold Last Month

Median $/sqft

ZIP 34221$207
Manatee County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-23Listed for sale$415,000
2025-10-24Listing removed$460,350
2025-10-22Listed for sale$460,350

New Construction Spec

AgentBryan Sumner
BrokerageMERITAGE HOMES OF FL REALTY

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