45 ILLINOIS STREET, PALMETTO, FL, 34221
Active4 days on marketListed Nov 3, 2026MLS #A4707733
About this home
45 ILLINOIS STREET
Enjoy the relaxed Florida lifestyle in this inviting home, featuring select renovations completed around 2024 and located in a desirable 55+ community. Residents can take advantage of an array of recreational amenities, including a swimming pool, clubhouse, shuffleboard courts, private boat ramp, kayak launch, and water access, with boat slip opportunities available. The low HOA fee of just $195 per month includes water, sewer, trash, and lawn care, helping make everyday living more affordable. Ideally situated near Ellenton Premium Outlets and within reach of the beautiful beaches of Anna Maria Island, this home offers a wonderful blend of recreation, convenience, and value. Three international airports in the surrounding region provide additional convenience for travelers.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
426
Sqft
0.03 ac
Lot size
1970
Year built
One
Levels
$136
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 and the real association fee — not generic estimates.
$884 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$884/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−16.6%
$/sqft vs Palmetto actives
$136 vs $201
Days on market
4 vs 73 typical
Where $136/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
56,208
Median age
45.5
Median income
$77,712
Median home value
$338,600
Avg household
2.6
Households w/ children
4,828
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
$375K → $390K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
253 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 84% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 45 ILLINOIS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$94,000
193 JET DRIVE · same community
1 bd · 1 ba · 430 sqft · $219/sqft · 0 DOM
Sold · Nov ’25$92,000
192 JET DRIVE · same community
1 bd · 1 ba · 420 sqft · $219/sqft · 128 DOM
Sold · Dec ’25$35,000
16 ILLINOIS STREET · same community
1 bd · 1 ba · 432 sqft · $81/sqft · 240 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 45 ILLINOIS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 ILLINOIS STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
45 ILLINOIS STREET FAQs
What would the monthly payment be for 45 ILLINOIS STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $884/mo — principal and interest, the actual property-tax bill, the $195/mo association fee 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.
How much are the HOA fees at 45 ILLINOIS STREET?+
The association fee works out to $195 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 45 ILLINOIS STREET?+
The most recent tax bill on record (2025) was $1,259. 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 45 ILLINOIS STREET?+
The listing reports pets: No. 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 $58,000, this home is listed about 85% below the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 45 ILLINOIS STREET?+
Virgil Mills Elementary School (elementary), Buffalo Creek Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY, LLC · Jennifer Kenna. MLS #A4707733.
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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