
STOTZ ROAD, PALMETTO, FL, 34221
Pending804 days on marketListed May 22, 2024MLS #A4610686
About this home
STOTZ ROAD
A once-in-a-generation opportunity to own approximately 25 acres along the pristine shores of Terra Ceia Bay. Envision the future of sustainable waterfront living on this extraordinary coastal property, where breathtaking panoramic bay views, unspoiled natural beauty, and abundant wildlife create an unparalleled setting. Whether your vision is an eco-conscious private estate, a conservation-minded retreat, or a legacy investment, the possibilities are truly inspiring. This exceptional waterfront parcel is Florida Forever Program eligible and located within the Terra Ceia Project Area, presenting a rare opportunity for conservation-minded buyers, investors, or organizations seeking environmentally significant coastal property. With extensive waterfront frontage, this remarkable property offers direct access to boating, kayaking, paddleboarding, fishing, and birdwatching. Surrounded by one of Tampa Bay's most ecologically significant estuaries, the landscape is renowned for its mangrove forests, seagrass habitat, abundant fisheries, and diverse native wildlife. Located in the highly desirable Terra Ceia Bay area, this rare offering provides the perfect balance of privacy and convenience, with easy access to nearby amenities while preserving the peaceful character of Florida's natural Gulf Coast. Buyers are encouraged to perform their own due diligence regarding zoning, permitted uses, environmental regulations, development potential, and Florida Forever Program eligibility. All property information is believed to be accurate but is derived from the Manatee County Property Appraiser and other public sources and should be independently verified by buyers and their representatives.
Facts & features
The home at a glance
25 ac
Lot size
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 — not generic estimates.
$2,750 /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
$2,750/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.
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 → $376K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about STOTZ ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for STOTZ ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
STOTZ ROAD FAQs
What would the monthly payment be for STOTZ ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,750/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on STOTZ ROAD?+
The most recent tax bill on record (2023) was $772. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palmetto?+
At $399,000, this home is listed about 1% above the Palmetto median of $395,159. The market section on this page shows how the area is trending.
Which schools are assigned to STOTZ ROAD?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
804 days on market against a Palmetto median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $950,000, now $399,000 — a $551K cut. The full history is in the market section below.
Listing courtesy of AUM FLORIDA REAL ESTATE LLC · Geoff Scalera. MLS #A4610686.
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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