11409 CAMPANIA TERRACE, PALMETTO, FL, 34221
Active4 days on marketListed Nov 3, 2026MLS #A4711054
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Upcoming open house
Sun, Nov 8
12:00 PM – 3:00 PM
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About this home
11409 CAMPANIA TERRACE
Welcome to your dream home, where luxury meets effortless Florida living. This home shows like a model home, combining elegant design, extensive upgrades and a stunning natural backdrop to create a truly special place to call home. This is a must see one year old Lazio three car garage model rarely available, by Taylor Morrison, located in the beautiful Esplanade at Artisan Lakes resort-style community. From the moment you step inside, you’ll appreciate the thoughtfully curated interior, featuring custom design elements, a décor that creates a warm inviting and timeless atmosphere. Soaring 10-foot ceilings and elegant 8-foot doors enhance the spacious feel, while the carefully selected finishes give the home a polished, designer-inspired look. Designed for both everyday comfort and entertaining, this home offers an inviting flow throughout its living spaces. The primary suite serves as a spacious private retreat, boasting a lavish ensuite bath complete with dual vanities, a glass-enclosed shower and expansive custom walk-in closet. Guests and family members will appreciate the two additional bedrooms, each offering supreme comfort along with dedicated ensuite bathrooms—ideal for seamless multi-generational living. Completing the home, a flexible office space balances refined style with functional privacy to meet your work-from-home or lifestyle needs. The extended covered lanai brings the best of indoor-outdoor living together, providing the perfect setting for morning coffee and evening gatherings including an outdoor kitchen. Best of all, take in the peaceful scenery with unforgettable Florida sunsets, complemented by custom landscaping that enhances the home’s curb appeal to create a beautiful outdoor setting. This like new home offers the look and feel of a thoughtfully designed luxury residence without the wait of new construction and time designing it yourself. Start enjoying resort style living now!! Located within Esplanade at Artisan Lakes, you'll enjoy access to world-class amenities including 2 clubhouses, 2 resort pools, a fitness center, bark parks, tennis courts, pickleball courts and more. The full-time lifestyle manager curates events, clubs, and activities, creating a vibrant community atmosphere. Esplanade Artisan lakes is just a few miles from I-75 and I-275, providing easy access to Tampa, St. Pete, Bradenton, Sarasota airports, dining, shopping, golf, and of course the gulf beaches. Schedule your private showing today and discover this beautiful home.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,266
Sqft
0.19 ac
Lot size
2
Garage
2025
Year built
One
Levels
$273
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.
$5,067 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,067/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−1.1%
$/sqft vs Palmetto actives
$273 vs $200
Days on market
4 vs 73 typical
Where $273/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)
256 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 70% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 11409 CAMPANIA TERRACE
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$569,000
5022 CASERTA COURT · same community
3 bd · 3 ba · 2,266 sqft · $251/sqft · 83 DOM
Sold · Apr ’26$650,000
5610 CASERTA COURT · same community
3 bd · 3 ba · 2,277 sqft · $285/sqft · 70 DOM
Sold · Feb ’26$649,000
5132 CASERTA COURT · same community
3 bd · 3 ba · 2,326 sqft · $279/sqft · 76 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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11409 CAMPANIA TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11409 CAMPANIA TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11409 CAMPANIA TERRACE FAQs
What would the monthly payment be for 11409 CAMPANIA TERRACE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,067/mo — principal and interest, the actual property-tax bill, the $520/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 11409 CAMPANIA TERRACE?+
The association fee works out to $520 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11409 CAMPANIA TERRACE?+
The most recent tax bill on record (2025) was $3,112. 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 11409 CAMPANIA TERRACE?+
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 $619,000, this home is listed about 56% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 11409 CAMPANIA TERRACE?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$619,000 runs 70% above the PALMETTO 34221 median — but at 2,266 sqft it's also 16% larger than the typical Palmetto listing.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $520/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 4 days on market in a Palmetto market that averages 73 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Scott Beckwith. MLS #A4711054.
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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