5628 NIGHT OWL TERRACE, PALMETTO, FL, 34221
Active7 days on marketListed Oct 31, 2026MLS #A4711250
About this home
5628 NIGHT OWL TERRACE
Enjoy the Florida lifestyle from day one at 5628 Night Owl Terrace, where a newer five-bedroom home meets a private oasis with a heated, saltwater pool and spa, an oversized homesite, and peaceful lake and nature views. Set on approximately ¼ acre, this property offers an exceptional combination of space, privacy, and owner-added upgrades. The backyard is a personal retreat, inviting you to swim, unwind in the spa, or simply take in the private, tranquil setting. An extended covered patio provides generous shaded space for outdoor dining, relaxing, and entertaining, with water views and a natural backdrop that make time at home feel like a getaway. Thoughtful improvements extend beyond the outdoor living area. Impact windows provide added storm protection, and a professionally installed Tesla charger in the garage convenience, while custom closet systems maximize storage and keep everyday essentials organized. These sought-after features are already in place, allowing you to settle in and enjoy your home without taking on major improvement projects after closing. The community offers amenities including a clubhouse, pool, cabanas, playground, and dog park. Explore nearby destinations such as Ellenton Premium Outlets, Emerson Point Preserve, Terra Ceia Preserve State Park, Downtown Bradenton’s Riverwalk, and the Bishop Museum of Science and Nature, or spend a day at the beaches of Anna Maria Island. From kayaking and nature trails to spring training baseball, the surrounding area offers plenty of ways to enjoy an active lifestyle. Convenient access to I-75 connects you to Sarasota, St. Petersburg, and Tampa, with Sarasota-Bradenton, Tampa, and St. Pete-Clearwater airports providing options for travel and visiting guests. Newer five-bedroom pool homes with an oversized lot, private lake and nature views, and these substantial upgrades are rarely available. Why wait to build a standard, builder's home when this tropical retreat is already waiting for you at 5628 Night Owl Terrace. Contact us today for a private showing.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,965
Sqft
0.2 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$219
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.
$5,085 /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
$5,085/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
+18%
$/sqft vs Palmetto actives
$219 vs $200
Days on market
7 vs 73 typical
Where $219/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)
257 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 78% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 5628 NIGHT OWL TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$350,000
5217 SONG SPARROW TERRACE · same community
3 bd · 2 ba · 1,669 sqft · $210/sqft · 14 DOM
Sold · Apr ’26$275,000
5617 FLAGSTONE TRAIL · same community
3 bd · 2 ba · 1,459 sqft · $188/sqft · 255 DOM
Sold · Feb ’26$405,000
4010 LINDEVER LANE
5 bd · 3 ba · 3,060 sqft · $132/sqft · 0 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5628 NIGHT OWL TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5628 NIGHT OWL TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5628 NIGHT OWL TERRACE FAQs
What would the monthly payment be for 5628 NIGHT OWL TERRACE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,085/mo — principal and interest, the actual property-tax bill, the $120/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 5628 NIGHT OWL TERRACE?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5628 NIGHT OWL TERRACE?+
The most recent tax bill on record (2025) was $5,644. 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 5628 NIGHT OWL TERRACE?+
The listing reports pets: Dogs OK. 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 $650,000, this home is listed about 63% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5628 NIGHT OWL 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
Three things that matter here
01Positioned at the premium end
$650,000 runs 78% above the PALMETTO 34221 median — but at 2,965 sqft it's also 52% larger than the typical Palmetto listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a Palmetto market that averages 73 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of FINE PROPERTIES · William Mayer. MLS #A4711250.
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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