5520 82ND AVENUE E, PALMETTO, FL, 34221
Active2 days on marketListed Nov 5, 2026MLS #A4712078
About this home
5520 82ND AVENUE E
Affordable living without sacrificing charm! This adorable 2-bedroom, 2-bath home in the Villages section of Thousand Oaks is move-in ready and shows beautifully! Featuring a newer roof, newer A/C, fresh interior paint, luxury vinyl flooring throughout (NO CARPET!), and a charming kitchen with stainless steel appliances, this home is ready for its new owners. One of the standout features is the HUGE covered back patio spanning the entire length of the home, perfect for relaxing or entertaining. You’ll also appreciate the convenient laundry room off the carport with additional storage. Located in the established Thousand Oaks community, this home offers an incredible opportunity for affordable Florida living! The Villages maintenance fee is just $63 per month and includes lawn service, while the master association is only $153 per quarter and provides access to community amenities including a swimming pool and tennis courts. NO CDD FEES! Whether you’re purchasing your first home, downsizing, or simply looking for a low-maintenance lifestyle, this little gem checks all the boxes. With today’s rising costs, finding a home this well-maintained with such reasonable fees is becoming harder and harder. Cute as can be, affordable to maintain, and truly move-in ready! Don’t miss this one!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,184
Sqft
0.15 ac
Lot size
1985
Year built
One
Levels
$215
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.
$2,359 /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
$2,359/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
−12.7%
Days on market
2 vs 73 typical
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.
The investor lens
Two ways this home pays
This home sits inside Thousand Oaks, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,500/mo median
Live Palmetto rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Thousand Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Thousand Oaks is a short-term-rental community. See the full guide →
Thousand Oaks — neighborhood snapshot
Population
1,285
Median age
44
Median income
$102,813
Median home value
$395,300
Avg household
3
Households w/ children
146
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)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
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 5520 82ND AVENUE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5520 82ND AVENUE E — 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
5520 82ND AVENUE E FAQs
What would the monthly payment be for 5520 82ND AVENUE E?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,359/mo — principal and interest, the actual property-tax bill, the $51/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 5520 82ND AVENUE E?+
The association fee works out to $51 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5520 82ND AVENUE E?+
The most recent tax bill on record (2025) was $3,427. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 5520 82ND AVENUE E be rented short-term?+
Yes — this home sits inside Thousand Oaks, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 5520 82ND AVENUE E?+
The listing reports pets: Cats OK, 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 $254,900, this home is listed about 36% below the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5520 82ND AVENUE E?+
Buffalo Creek Middle School (middle), Virgil Mills Elementary School (elementary), 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
01Under the PALMETTO 34221 market on paper
$254,900 is 30% below the PALMETTO 34221 median of $365,000, and at $215/sqft it sits under the Palmetto average of $228.
02Zoned for nightly rentals
Thousand Oaks is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Fresh on the market
Only 2 days on market in a Palmetto market that averages 73 — if it fits, move quickly.
Listing courtesy of LESLIE WELLS REALTY, INC. · Tiffney Mosley. MLS #A4712078.
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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