302 12TH STREET W, PALMETTO, FL, 34221
Active277 days on marketListed Oct 31, 2025MLS #A4670426
About this home
302 12TH STREET W
Discover an incredible opportunity to own a beautiful piece of vacant land in the charming City of Palmetto. This spacious lot offers the perfect canvas to design and build your ideal home — the possibilities are endless. No HOA means you’ll enjoy the freedom to create the lifestyle you want, without restrictive covenants or extra fees. Nestled in a quiet, established neighborhood, this property offers both peace and convenience. Walking trail behind lot leads to Dr Martin Luther King Jr Place Park and Palmetto youth center. The City of Palmetto is a quaint and welcoming town with so much to offer — from scenic public parks and local dining to community events and easy access to nearby beaches, shopping, and major highways. Experience small-town charm with big-city convenience just minutes away. Don’t miss this chance to bring your vision to life!
Facts & features
The home at a glance
0.36 ac
Lot size
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.
$645 /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
$645/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.
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 →
The numbers that matter
The Palmetto market
$359K → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 82% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 302 12TH STREET W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$175,000
102 RIVIERA DUNES WAY UNIT C-50
161 DOM
Sold · Jun ’26$157,500
102 RIVIERA DUNES WAY UNIT #N-50
25 DOM
Sold · Jul ’26$135,000
102 RIVIERA DUNES WAY UNIT S-77
16 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 302 12TH STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 302 12TH STREET W — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
302 12TH STREET W FAQs
What would the monthly payment be for 302 12TH STREET W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $645/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 302 12TH STREET W?+
The most recent tax bill on record (2024) was $503. 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 $70,000, this home is listed about 82% below the Palmetto median of $395,159. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of KW SUNCOAST · Mike Polachek. MLS #A4670426.
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 302 12TH STREET 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 David to ping you on any price or status change →