128 51ST STREET CIRCLE E UNIT 7, PALMETTO, FL, 34221
Active150 days on marketListed Mar 6, 2026MLS #TB8483787
About this home
128 51ST STREET CIRCLE E UNIT 7
Looking for a peaceful, low-maintenance Florida retreat with low taxes, low insurance, and a private pond view? This beautifully maintained villa tucked quietly in the back of an intimate 19-home community may be exactly what you've been waiting for. Perfect for anyone seeking easy living, this home is just minutes from US-19 and US-41 with convenient access to Gulf beaches, airports, shopping, dining, St. Petersburg, Tampa, and Bradenton. Inside, oak wood-style luxury vinyl flooring flows throughout, complemented by custom board-and-batten trim and wainscoting. The kitchen features upgraded cabinetry, along with a reverse osmosis system and water softener. Natural light fills the home through the glass front door with adjusted Bahamian blinds, while the electric fireplace adds warmth and charm. Relax on the lanai overlooking a peaceful pond, the perfect place for morning coffee or evening sunsets. The HOA provides true maintenance-free living, covering lawn care, exterior pest control, building insurance, exterior painting, roof replacement, cable, and high-speed internet. Residents also enjoy a private community pool shared by only 19 villa owners. Even better, the HOA includes Spectrum TV Platinum and 1-Gig high-speed internet with advanced Wi-Fi, making connectivity and entertainment effortless.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,493
Sqft
0.08 ac
Lot size
1
Garage
2022
Year built
One
Levels
$221
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.
$2,378 /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
$2,378/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
+8.1%
$/sqft vs Palmetto actives
$221 vs $205
Days on market
150 vs 55 typical
Where $221/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 → $376K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
219 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 11% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 128 51ST STREET CIRCLE E UNIT 7
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$275,000
4403 5TH AVENUE W
2 bd · 2 ba · 1,501 sqft · $183/sqft · 95 DOM
Sold · Jul ’26$300,000
3503 5TH AVENUE W
3 bd · 2 ba · 1,476 sqft · $203/sqft · 54 DOM
Sold · Jun ’26$290,000
219 39TH STREET E
3 bd · 3 ba · 1,519 sqft · $191/sqft · 3 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 128 51ST STREET CIRCLE E UNIT 7 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 51ST STREET CIRCLE E UNIT 7 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
128 51ST STREET CIRCLE E UNIT 7 FAQs
What would the monthly payment be for 128 51ST STREET CIRCLE E UNIT 7?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,378/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 128 51ST STREET CIRCLE E UNIT 7?+
The most recent tax bill on record (2025) was $1,585. 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 128 51ST STREET CIRCLE E UNIT 7?+
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 $329,515, this home is listed about 17% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 128 51ST STREET CIRCLE E UNIT 7?+
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
Four things that matter here
01Under the PALMETTO 34221 market on paper
$329,515 is 11% below the PALMETTO 34221 median of $370,000, and at $221/sqft it sits under the Palmetto average of $234.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
150 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $339,515, now $329,515 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Ryan Vaught. MLS #TB8483787.
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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