514 12TH AVENUE W, PALMETTO, FL, 34221
Active3 days on marketListed Oct 7, 2026MLS #TB8555007
About this home
514 12TH AVENUE W
Enjoy relaxed Florida living in the heart of Palmetto. This 3-bedroom, 2-bathroom home features a spacious backyard with plenty of room to unwind, entertain, or create your own outdoor retreat. With no HOA, you’ll have added flexibility to make the property your own. Conveniently located near the Manatee River and Sutton Park, this home offers easy access to outdoor recreation and the best of the area. Call or text for a private showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,668
Sqft
0.23 ac
Lot size
1955
Year built
One
Levels
$168
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 — not generic estimates.
$2,111 /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
$2,111/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.
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
−25.8%
$/sqft vs Palmetto actives
$168 vs $203
Days on market
3 vs 79 typical
Where $168/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
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 → $372K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
239 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 25% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 514 12TH AVENUE W
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$430,000
3223 1ST AVENUE W
3 bd · 2 ba · 1,693 sqft · $254/sqft · 69 DOM
Sold · Jun ’26$446,000
218 32ND STREET W
3 bd · 2 ba · 1,696 sqft · $263/sqft · 125 DOM
Sold · Feb ’26$227,500
216 24TH STREET W
2 bd · 3 ba · 1,698 sqft · $134/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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 514 12TH AVENUE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 514 12TH AVENUE W — 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
514 12TH AVENUE W FAQs
What would the monthly payment be for 514 12TH AVENUE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,111/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 514 12TH AVENUE W?+
The most recent tax bill on record (2025) was $2,141. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palmetto?+
At $280,000, this home is listed about 29% below the Palmetto median of $396,999. The market section on this page shows how the area is trending.
Which schools are assigned to 514 12TH AVENUE W?+
Lincoln Memorial Middle School (middle), Palmetto High School (high), James Tillman Elementary Magnet School (elementary) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of GOLD REAL ESTATE SOLUTIONS · Randys Oliva. MLS #TB8555007.
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.
Never miss a listing
New Palmetto homes, in your inbox
Like 514 12TH AVENUE W but not quite? A daily digest of every new listing in Palmetto — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Nicholas to ping you on any price or status change →