12517 WHARF TERRACE, PALMETTO, FL, 34221
Active6 days on marketListed Aug 7, 2026MLS #TB8536964
About this home
12517 WHARF TERRACE
Under Construction. What's Special: 5th Bedroom | 3-Car Garage | Cul-de-Sac Lot. New Construction - November Completion! Welcome to the Sand Key at 12517 Wharf Terrace in Palms at Coasterra! Step through the foyer of this new home to find a dedicated study and formal dining room, leading into the gourmet kitchen featuring a large center island, casual dining area, and views of the expansive great room. A pocket sliding glass door opens to the extended covered lanai, creating seamless indoor-outdoor living. The main-level primary suite offers a private retreat with a spa-inspired en-suite bathroom, walk-in closet with direct laundry room access, and its own pocket sliding door to the lanai. Upstairs, a spacious game room is surrounded by four secondary bedrooms, including two with en-suite bathrooms. A three-car garage provides plenty of room for vehicles, storage, and hobbies. This amenity-rich master-planned community is surrounded by natural beauty and endless ways to enjoy fun, fitness, and connection. Club Coasterra overlooks a 65-acre lake with four pools, cabanas, a workout space, and a lakeside pavilion. Enjoy additional pools, a dog park, a 20-acre lake, and a 160-acre nature park with trails, all near I-75 with access to Sarasota and Tampa. Additional Highlights Include: tray ceiling package, 8' interior doors, laundry sink, outdoor kitchen rough-in, 42" upper kitchen cabinets, 42" upper cabinets at laundry, crown molding in the kitchen, roll out trash can cabinet, quartz countertops, and oak stair treads with painted risers. Photos are for representative purposes only. MLS#TB8536964
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,835
Sqft
0.19 ac
Lot size
3
Garage
2026
Year built
Two
Levels
$198
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.
$4,619 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$5,315/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs PALMS AT COASTERRA
$198 vs $217
Days on market
6 vs 63 typical
Where $198/sqft sits among the 9 homes for sale in PALMS AT COASTERRA
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 → $359K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
2 of 9
PALMS AT COASTERRA have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 103% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 12517 WHARF TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$660,000
12528 WHARF TERRACE · same community
5 bd · 4.5 ba · 3,461 sqft · $191/sqft · 152 DOM
Sold · May ’26$600,000
12508 WHARF TERRACE · same community
5 bd · 4.5 ba · 3,461 sqft · $173/sqft · 21 DOM
Sold · Mar ’26$660,000
12541 WHARF TERRACE · same community
5 bd · 4.5 ba · 3,461 sqft · $191/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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12517 WHARF TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12517 WHARF TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12517 WHARF TERRACE FAQs
What would the monthly payment be for 12517 WHARF TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,619/mo — principal and interest, estimated property taxes, the $79/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 12517 WHARF TERRACE?+
The association fee works out to $79 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12517 WHARF TERRACE?+
The most recent tax bill on record (2025) 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 12517 WHARF TERRACE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $758,999, this home is listed about 91% above the Palmetto median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12517 WHARF TERRACE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$758,999 runs 103% above the PALMETTO 34221 median — but at 3,835 sqft it's also nearly twice the size of the typical Palmetto listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 6 days on market in a Palmetto market that averages 63 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TAYLOR MORRISON REALTY OF FL · Michelle Campbell. MLS #TB8536964.
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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