522 CENTRE STREET, PALMETTO, FL, 34221
Active260 days on marketListed Nov 20, 2025MLS #A4672761
About this home
522 CENTRE STREET
Welcome home to this spacious VACANT LOT in the PET ZONE of the highly sought after Leisure Lakes, 55+ community! This active community features 2 clubhouses, swimming pool, pickleball courts, shuffle board, bocce ball and a fitness center that has several free classes and lots of activities. Leisure Lakes is a member owned co op where owners own their lot, is located in the pet allowed area where you can have up to 2 dogs with no size limits (some breed restrictions). Leisure Lakes is conveniently located near shopping, golf courses, major roadways, and the beautiful Florida beaches. Hurry on this one!!
Facts & features
The home at a glance
0.08 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 and the real association fee — not generic estimates.
$614 /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
$614/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 91% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 522 CENTRE STREET
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$65,000
29 SHADY LANE UNIT 29 · same community
2 bd · 1.5 ba · 460 sqft · $141/sqft · 0 DOM
Sold · Apr ’26$75,000
49 LEISURE WAY · same community
1 bd · 1.5 ba · 620 sqft · $121/sqft · 36 DOM
Sold · Dec ’25$73,000
339 PEACE MANOR · same community
1 bd · 1 ba · 624 sqft · $117/sqft · 68 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 522 CENTRE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 522 CENTRE STREET — 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
522 CENTRE STREET FAQs
What would the monthly payment be for 522 CENTRE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $614/mo — principal and interest, the actual property-tax bill, the $212/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 522 CENTRE STREET?+
The association fee works out to $212 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 522 CENTRE STREET?+
The most recent tax bill on record (2024) was $246. 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 522 CENTRE STREET?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $35,000, this home is listed about 91% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palmetto market on paper
$35,000 is 91% below the Palmetto median of $395,000.
02Time on market is leverage
260 days on market against a Palmetto median of 56 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $37,500, now $35,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ON THE WATER · Carmen Garcia Urgelles. MLS #A4672761.
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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