3013 LIVE OAK LANE UNIT 31, PALMETTO, FL, 34221
Active6 days on marketListed Sep 14, 2026MLS #A4705481
About this home
3013 LIVE OAK LANE UNIT 31
Welcome to the desirable gated, waterfront golf community of Terra Ceia Bay, where a relaxed Florida lifestyle meets an abundance of amenities and activities. This charming 2-bedroom, 2-bathroom villa is ideally positioned on a corner lot in the peaceful upper northeast part of the community, offering a tranquil setting with plenty of privacy. Step inside and you’re welcomed by an inviting open-concept floor plan with soaring vaulted ceilings and an abundance of natural light. The spacious living and dining areas create a comfortable setting for entertaining guests or simply enjoying everyday Florida living. The well appointed kitchen offers plenty of workspace and storage, along with a convenient pantry and laundry closet. The generously sized primary suite continues the spacious feel with vaulted ceilings, two closets, and a private ensuite bathroom. The split-bedroom floor plan places the second bedroom and full bathroom toward the front of the villa, creating an ideal private retreat for guests. Extend your living space outdoors onto the expansive screened lanai a perfect spot to enjoy your morning coffee, unwind after a day on the course, or gather with friends and family while taking in the peaceful surroundings. A two-car garage adds valuable storage and everyday convenience. Life in Terra Ceia Bay is about more than just homeownership it’s about enjoying the Florida lifestyle. Residents have access to golf, tennis, pickleball, clubhouse amenities, social activities, and the community’s beautiful waterfront setting. When it’s time to explore, you’re conveniently located near Palmetto’s revitalized historic district, parks, Snead Island, Emerson Point Preserve, and major highways, making it easy to enjoy everything the area has in store. Come discover why Terra Ceia Bay is such a special place to call home and experience the relaxed, amenity rich Florida lifestyle you’ve been waiting for!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,253
Sqft
0 ac
Lot size
2
Garage
1997
Year built
One
Levels
$188
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.
$1,900 /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
$1,900/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
+11.8%
$/sqft vs Palmetto actives
$188 vs $204
Days on market
6 vs 61 typical
Where $188/sqft sits among the 400 Palmetto actives
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)
238 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 3013 LIVE OAK LANE UNIT 31
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$342,000
1505 TERRA CEIA BAY CIRCLE UNIT 0 · same community
3 bd · 2 ba · 1,659 sqft · $206/sqft · 260 DOM
Sold · Apr ’26$230,000
3108 LIVE OAK LANE UNIT 21 · same community
3 bd · 2 ba · 1,659 sqft · $139/sqft · 28 DOM
Sold · Jul ’26$359,900
1801 14TH STREET W
2 bd · 2 ba · 1,255 sqft · $287/sqft · 16 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3013 LIVE OAK LANE UNIT 31 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3013 LIVE OAK LANE UNIT 31 — 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
3013 LIVE OAK LANE UNIT 31 FAQs
What would the monthly payment be for 3013 LIVE OAK LANE UNIT 31?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,900/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 3013 LIVE OAK LANE UNIT 31?+
The most recent tax bill on record (2025) was $3,029. 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 3013 LIVE OAK LANE UNIT 31?+
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 $234,999, this home is listed about 41% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3013 LIVE OAK LANE UNIT 31?+
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 RE/MAX ALLIANCE GROUP · Gregory Zies, LLC. MLS #A4705481.
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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