2608 WATERFORD WAY UNIT B, PALMETTO, FL, 34221
Active24 days on marketListed Aug 27, 2026MLS #A4704020
About this home
2608 WATERFORD WAY UNIT B
GOLF COURSE LIVING WITH A PRIVATE SEMI ATTACHED 1 CAR GARAGE AT AN ATTRACTIVE PRICE! Enjoy beautiful lake and golf course views from this well-maintained 2-bedroom, 2-bath condo in the desirable gated community of Terra Ceia Golf & Country Club. Offering an exceptional opportunity to enjoy an active Florida lifestyle without the high price tag, this second-floor, partially furnished residence combines comfort, updates, and amenities with the added value of a private one-car garage. The bright, open floor plan is designed for easy living, while the air-conditioned glass-enclosed lanai creates a wonderful year-round retreat overlooking the tranquil lake and golf course. The lanai was refreshed with new indoor/outdoor carpeting in 2025, making it the perfect place to enjoy your morning coffee, unwind after a round of golf, or take in the peaceful views. Meticulously maintained with important updates already completed, including a new HVAC system in 2019, new hot water system in 2021, and washer and dryer in 2022, this home offers peace of mind and helps minimize near-term expenses. The spacious primary suite features a private en-suite bath, while the comfortable guest bedroom and second bath provide flexibility for family and guests. An in-unit laundry area adds everyday convenience. A semi-attached private one-car garage with finished flooring and storage is a standout feature and a tremendous value, providing secure parking and extra space for your golf clubs, bikes, beach gear, and Florida essentials. Additional guest parking is also available. Terra Ceia Golf & Country Club offers an active, resort-style lifestyle with an 18-hole golf course, community pool, tennis, pickleball, fitness center, fishing pier, nature boardwalk, and on-site restaurant, along with a calendar of social activities and events. Whether you're a golfer, pickleball enthusiast, fisherman, pool lover, or simply looking for a welcoming community, there is plenty to enjoy. Perfect as a full-time residence, winter getaway, or investment opportunity, this condo delivers golf-course and water views, resort-style amenities, a private garage, and thoughtful updates at an attractive price point. Conveniently located near I-275, I-75, and US 41, with easy access to Tampa, St. Petersburg, Sarasota, and the beautiful beaches of Anna Maria Island. Affordable Florida golf and waterfront living is here! Don't miss this incredible opportunity
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,272
Sqft
1.72 ac
Lot size
1
Garage
1994
Year built
One
Levels
$180
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 — not generic estimates.
$1,901 /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
$1,901/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
−1.4%
$/sqft vs WATERFORD
$180 vs $168
Days on market
24 vs 61 typical
Where $180/sqft sits among the 13 homes for sale in WATERFORD
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 → $376K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
10 of 13
WATERFORD have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2608 WATERFORD WAY UNIT B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$259,990
11519 MEMORIAL DRIVE · same community
3 bd · 2 ba · 1,504 sqft · $173/sqft · 82 DOM
Sold · Jun ’26$284,990
11560 MEMORIAL DRIVE · same community
3 bd · 2 ba · 1,504 sqft · $189/sqft · 48 DOM
Sold · Feb ’26$274,990
11745 MEMORIAL DRIVE · same community
4 bd · 2 ba · 1,665 sqft · $165/sqft · 238 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2608 WATERFORD WAY UNIT B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2608 WATERFORD WAY UNIT B — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2608 WATERFORD WAY UNIT B FAQs
What would the monthly payment be for 2608 WATERFORD WAY UNIT B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,901/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 2608 WATERFORD WAY UNIT B?+
The most recent tax bill on record (2026) was $3,458. 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 2608 WATERFORD WAY UNIT B?+
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 $229,500, this home is listed about 42% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2608 WATERFORD WAY UNIT B?+
Lincoln Memorial Middle School (middle), Palmetto High School (high), James Tillman Elementary Magnet School (elementary) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WAGNER REALTY · Lynda Melnick. MLS #A4704020.
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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