5531 FLAGSTONE TRAIL, PALMETTO, FL, 34221
Active17 days on marketListed Oct 21, 2026MLS #N6146306
About this home
5531 FLAGSTONE TRAIL
Beautiful 3-Bedroom Home in Palmetto, FL — Built in 2023! Modern Comfort, Thoughtful Upgrades & a Fantastic Gulf Coast Location! Welcome to 5531 Flagstone Trail in Palmetto, Florida! Built in 2023, this beautiful 3-bedroom, 2-bathroom home offers 1,635 square feet of living space, combining modern convenience with thoughtful upgrades throughout. Step inside and discover upgraded light fixtures, recessed lighting, ceiling fans in the bedrooms, and customizable smart lighting throughout the home. Designed with both comfort and practicality in mind, the property also features installed security cameras, a whole-home surge protector, and a generator connection for added convenience and preparedness. Location, Location, Location! Enjoy living in Palmetto, with convenient access to some of Florida's most popular Gulf Coast destinations. Spend your weekends exploring the beautiful beaches of Anna Maria Island, Bradenton, and Sarasota, or enjoy shopping, dining, and entertainment in the surrounding communities. The home is conveniently situated for access to St. Petersburg, Lakewood Ranch, the Ellenton Premium Outlets, and everyday shopping and dining. Nearby Interstate 75 also provides connections throughout the Tampa Bay and Sarasota regions. Whether you're looking for a primary residence, a seasonal Florida getaway, or a newer home in a desirable Gulf Coast area, this property offers an appealing combination of modern features, convenience, and location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,635
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$248
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.
$3,709 /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
$3,709/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
+19.8%
$/sqft vs Palmetto actives
$248 vs $200
Days on market
17 vs 73 typical
Where $248/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)
254 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 11% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 5531 FLAGSTONE TRAIL
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 · Jun ’26$333,304
3139 HOPEWELL AVENUE
3 bd · 2 ba · 1,637 sqft · $204/sqft · 46 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 5531 FLAGSTONE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5531 FLAGSTONE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5531 FLAGSTONE TRAIL FAQs
What would the monthly payment be for 5531 FLAGSTONE TRAIL?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,709/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 5531 FLAGSTONE TRAIL?+
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 5531 FLAGSTONE TRAIL?+
The most recent tax bill on record (2025) was $5,636. 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 5531 FLAGSTONE TRAIL?+
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 $405,000, this home is listed about 2% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 5531 FLAGSTONE TRAIL?+
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 RE/MAX PALM · Crystal Saly. MLS #N6146306.
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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