12409 PARSONS ISLE TERRACE, PALMETTO, FL, 34221
Active38 days on marketListed Sep 30, 2026MLS #TB8546423
About this home
12409 PARSONS ISLE TERRACE
THIS 4 BED, 2.5 BATH RESIDENCE FEATURES STATE-OF-THE-ART AUTOMATION INCLUDING DOORBELL CAMERA, SMART SWITCH, HONEYWELL THERMOSTAT & MORE & ALL CONTROLLED VIA YOUR PHONE APP. COMMUNITY FEATURES INCLUDE GREEN SPACES, ULTRAFi HIGH-SPEED INTERNET & SOLAR POWERD STREET LIGHTS & IS A SHORT DRIVE TO THE GULF COAST’S WHITE SAND BEACHES INCLUDING BRADENTON & HOLMES BEACHES AS WELL AS AMELIA & ANNA MARIA ISLANDS & NEIGHBORING PARKS OFFERING SPORTS COURTS, PLAY-GROUND, SKATE PARK & WATERWAY RECREATION ALONG THE MANATEE RIVER. OTHER POINTS OF INTEREST INCLUDE ELLENTON OUTLETS FOR SHOPPING, LAKEWOOD RANCH FOR DINING & ENTERTAINMENT. FUTURE COMMUNITY AMENITIES INCLUDE A COMMUNITY PARK & POOL, SPLASH ZONE FOR THE KIDS & MULTI-USE TRAILS FOR WALKING, RUNNING OR BIKING. EXPANSIVE GREAT ROOM PLAN (KITCHEN/FAMILY ROOM COMBO) INCLUDES POWDER ROOM, 2” FAUX WOOD BLINDS, EZ CARE MARBLE WINDOW SILLS & 18” TILE FLOORING & DINETTE AREA. THE KITCHEN IS A COOK'S DELIGHT WITH ABUNDANT STORAGE CABINETS & PLENTY OF COUNTERTOP SPACE FOR ALL YOUR SMALL APPLIANCES & A 5 SHELF (16”D) WALK-IN PANTRY TO HOLD YOUR BOGO DEALS. OVERSIZED KITCHEN ISLAND (7.7x3.10) W/ SINK PROVIDES ADDITIONAL COUNTERTOP & STORAGE SPACE. LEVEL 2 HOUSES A MULTI-PURPOSE LOFT AS WELL AS LAUNDRY ROOM (WITH OVERHEAD SHELVING) & SLEEPING AREAS. MASTER SUITE FEATURES INCLUDE CABLE OUTLET, EN-SUITE BATH WITH LINEN CLOSET & AN 11.6X 5.3 WALK-IN CLOSET. HURRICANE SHUTTERS ARE PROVIDED BY THE LANDLORD FOR THE LESSEE'S CONVENIENCE & REMAIN WITH THE PROPERTY. PER OWNER, NO PETS, SORRY, & MINIMUM 1 YEAR LEASE.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,870
Sqft
0.11 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$181 /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
$181/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.
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.
$/sqft vs Palmetto actives
$1 vs $200
Days on market
38 vs 73 typical
Where $1/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)
256 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 99% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 12409 PARSONS ISLE TERRACE
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$314,700
12437 PARSONS ISLE TERRACE · same community
4 bd · 2.5 ba · 1,870 sqft · $168/sqft · 1 DOM
Sold · Aug ’26$312,275
12409 PARSONS ISLE TERRACE · same community
4 bd · 2.5 ba · 1,870 sqft · $167/sqft · 5 DOM
Sold · May ’26$324,990
6026 BLUE PALOMA COURT · same community
4 bd · 2 ba · 1,817 sqft · $179/sqft · 6 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12409 PARSONS ISLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12409 PARSONS ISLE TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12409 PARSONS ISLE TERRACE FAQs
What would the monthly payment be for 12409 PARSONS ISLE TERRACE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $181/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 12409 PARSONS ISLE TERRACE?+
The listing reports pets: No. 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 $2,600, this home is listed about 99% below the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 12409 PARSONS ISLE 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
01Under the PALMETTO 34221 market on paper
$2,600 is 99% below the PALMETTO 34221 median of $365,000, and at $1/sqft it sits under the Palmetto average of $228.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $2,900, now $2,600 — a $300 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MCPEAK REALTY GROUP INC · Donna Pope. MLS #TB8546423.
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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