12431 SEABOARD DRIVE, PALMETTO, FL, 34221
Active2 days on marketListed Aug 5, 2026MLS #TB8536257
About this home
12431 SEABOARD DRIVE
Under Construction. BRAND NEW HOME!!! This single-family home boasts five bedrooms across two stories. A versatile flex room sits off the foyer and a modern open-concept design brightens the kitchen, dining room and family room. The sprawling owner’s suite enjoys privacy on the ground floor with a full-sized bathroom and walk-in closet, while the remaining four bedrooms and spacious loft are upstairs. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only.
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,896
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$130
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.
$2,645 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,991/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
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
−15.4%
$/sqft vs CURIOSITY CREEK
$130 vs $158
Days on market
2 vs 56 typical
Where $130/sqft sits among the 6 homes for sale in CURIOSITY CREEK
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
54,923
Median age
46.6
Median income
$74,314
Median home value
$298,200
Avg household
2.63
Households w/ children
4,466
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
$359K → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
1 of 6
CURIOSITY CREEK have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 12431 SEABOARD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$367,940
12429 PARSONS ISLE TERRACE · same community
6 bd · 3 ba · 2,580 sqft · $143/sqft · 2 DOM
Sold · Jun ’26$359,390
6127 BLUE PALOMA COURT · same community
6 bd · 3 ba · 2,580 sqft · $139/sqft · 29 DOM
Sold · Jun ’26$349,040
6029 BLUE PALOMA COURT · same community
5 bd · 2.5 ba · 2,389 sqft · $146/sqft · 2 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12431 SEABOARD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12431 SEABOARD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12431 SEABOARD DRIVE FAQs
What would the monthly payment be for 12431 SEABOARD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,645/mo — principal and interest, estimated property taxes, the $100/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 12431 SEABOARD DRIVE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12431 SEABOARD DRIVE?+
The most recent tax bill on record (2026) was $0. 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 12431 SEABOARD DRIVE?+
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 $376,840, this home is listed about 5% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12431 SEABOARD DRIVE?+
James Tillman Elementary Magnet School (elementary), Lincoln Memorial 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 LENNAR REALTY · Jenn Siemering. MLS #TB8536257.
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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