CENTURY 21 Edge
$387,4906 bd3 ba3,086 sqft$126 /sqft≈$2,992 /mo all-in ↓

12519 BLUE WATER TERRACE, PALMETTO, FL, 34221

Active2 days on marketListed Nov 5, 2026MLS #TB8565060

✦ Priced 3% below the Palmetto median✦ New constructionSingle Family ResidenceCURIOSITY CREEK

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Sat, Nov 7

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OPEN HOUSE THIS WEEKEND!! FRIDAY THROUGH SUNDAY!!

About this home

12519 BLUE WATER TERRACE

Under Construction. BRAND NEW HOME!!! One of the largest plans in this collection, this two-story home has an abundance of space with six bedrooms to offer restful retreats for the whole family. Off the foyer is a versatile flex space, followed by a modern free-flowing design to add a sense of unity amid the open kitchen, dining room and family room. The second floor is host to the sprawling owner’s suite and a large loft for shared entertainment. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only.

Facts & features

The home at a glance

6

Bedrooms

3

Bathrooms

3,086

Sqft

0.23 ac

Lot size

2026

Year built

Two

Levels

$126

Per sqft

Pets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorOther
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationBlock · Slab
FacesSoutheast
ExteriorOther

Community & fees

Taxes (2026)$0/yr
PetsYes

Utilities & systems

UtilitiesCable Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,992 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,660
FHA mortgage insurance (est.)$171
Property tax — 2026 actual bill$0
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,562Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $13,562
Interest rate7.50%
Loan term

Estimated payment

$3,347/mo

Principal & interest$2,660
FHA mortgage insurance (est.)$171
Est. property taxes$355
Est. insurance$160

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.

The numbers that matter

The Palmetto market

Seller’s marketLeans seller — 4.4 months of inventoryBuyer’s market

$375K → $390K

Palmetto median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 3% below the Palmetto median. See the full Palmetto market guide →

Paper trail

This home's history

Nov 5, 2026Listed at $387,490 · 2 days on market since
2026Built · CURIOSITY CREEK

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.

Kemarie Johnson

Your agent

Kemarie Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12519 BLUE WATER TERRACE — start here.

CallText
kemarie.johnson@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12519 BLUE WATER TERRACE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12519 BLUE WATER TERRACE FAQs

What would the monthly payment be for 12519 BLUE WATER TERRACE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,992/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.

What are the property taxes on 12519 BLUE WATER TERRACE?+

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 12519 BLUE WATER TERRACE?+

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 $387,490, this home is listed about 3% below the Palmetto median of $397,950. The market section on this page shows how the area is trending.

Listing courtesy of LENNAR REALTY · Jenn Siemering. MLS #TB8565060.

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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