CENTURY 21 Edge
$390,7406 bd3 ba3,326 sqft$117 /sqft≈$3,115 /mo all-in ↓

12515 BLUE WATER TERRACE, PALMETTO, FL, 34221

Active2 days on marketListed Nov 5, 2026MLS #TB8565069

✦ New constructionSingle Family ResidenceCURIOSITY CREEK

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About this home

12515 BLUE WATER TERRACE

Under Construction. BRAND NEW HOME!!! This two-story home is the largest plan available in the collection. The first floor is brightened by a contemporary open design that unifies the kitchen, family room and dining room. Off the foyer is a versatile bedroom and flex room, while the owner's suite is nested in the back for privacy. Upstairs are the remaining four bedrooms and an expansive loft. 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

3,326

Sqft

0.2 ac

Lot size

2026

Year built

Two

Levels

$117

Per sqft

Pets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Open Floorplan · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSoutheast
ExteriorSidewalk

Community & fees

HOA fee$100/mo
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 and the real association fee — not generic estimates.

$3,115 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,683
FHA mortgage insurance (est.)$173
Property tax — 2026 actual bill$0
HOA fee — from the listing$100
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,676Loan30-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% · $13,676
Interest rate7.50%
Loan term

Estimated payment

$3,474/mo

Principal & interest$2,683
FHA mortgage insurance (est.)$173
Est. property taxes$358
HOA / condo fee$100
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 2% below the Palmetto median. See the full Palmetto market guide →

Paper trail

This home's history

Nov 5, 2026Listed at $390,740 · 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 12515 BLUE WATER TERRACE — start here.

CallText
nick@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12515 BLUE WATER TERRACE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

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

12515 BLUE WATER TERRACE FAQs

What would the monthly payment be for 12515 BLUE WATER TERRACE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,115/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 12515 BLUE WATER TERRACE?+

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 12515 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 12515 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 $390,740, this home is listed about 2% 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 #TB8565069.

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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