3002 12TH STREET W, PALMETTO, FL, 34221
Active220 days on marketListed Dec 28, 2025MLS #A4676062
About this home
3002 12TH STREET W
Don't miss this beautiful 2-bedroom, 2-bath home in Tropic Isles, a highly sought-after 55+ waterfront community where you own the land—NO lot rent! Built in 1992 and offering approximately 1,056 square feet of comfortable living space, this well-maintained home is ideal as a seasonal retreat or full-time Florida residence. Conveniently located just minutes from Terra Ceia Bay and the stunning Gulf Coast beaches, you'll enjoy the best of coastal living. Inside, the open-concept kitchen, dining, and living areas create a bright, welcoming space that's perfect for everyday living and entertaining. Vaulted ceilings enhance the spacious feel, while continuous flooring throughout means there's no carpet to maintain. A built-in hutch adds both charm and functionality. The home also offers exceptional outdoor features, including an extra-long driveway with room for a boat or jet ski trailer, dedicated golf cart parking, and a large lockable storage shed for all your tools, beach gear, and recreational equipment. New French doors (December 2025) open to the screened-in patio, providing the perfect spot to enjoy your morning coffee or unwind with a sunset cocktail. Whether you're looking for a winter getaway or your forever home, this Tropic Isles gem offers comfort, convenience, and the relaxed Florida lifestyle you've been searching for. Schedule your private tour today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,056
Sqft
0.07 ac
Lot size
1992
Year built
One
Levels
$179
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 and the real association fee — not generic estimates.
$1,616 /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
$1,616/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
−7%
$/sqft vs Palmetto actives
$179 vs $208
Days on market
220 vs 54 typical
Where $179/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 Tropic Isles Mobile Home Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Tropic Isles Mobile Home Estates — neighborhood snapshot
Population
744
Median age
66
Median income
$55,729
Median home value
$250,900
Avg household
2
Households w/ children
47%
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)
220 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 49% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 3002 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 · Jun ’26$230,000
1316 28TH AVENUE DRIVE W · same community
2 bd · 2 ba · 1,008 sqft · $228/sqft · 56 DOM
Sold · Feb ’26$380,000
1207 31ST AVENUE W · same community
2 bd · 2 ba · 1,292 sqft · $294/sqft · 3 DOM
Sold · Mar ’26$90,000
2807 TRINIDAD WAY · same community
2 bd · 1.5 ba · 800 sqft · $113/sqft · 2 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 3002 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 3002 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
3002 12TH STREET W FAQs
What would the monthly payment be for 3002 12TH STREET W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,616/mo — principal and interest, the actual property-tax bill, the $8/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 3002 12TH STREET W?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3002 12TH STREET W?+
The most recent tax bill on record (2024) was $3,020. 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 3002 12TH STREET W?+
The listing reports pets: Cats OK, Dogs OK. 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 $189,000, this home is listed about 52% below the Palmetto median of $395,318. The market section on this page shows how the area is trending.
Which schools are assigned to 3002 12TH STREET W?+
Palmetto Elementary School (elementary), Palmetto High School (high), Lincoln Memorial Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALMETTO 34221 market on paper
$189,000 is 49% below the PALMETTO 34221 median of $369,900, and at $179/sqft it sits under the Palmetto average of $233.
02Time on market is leverage
220 days on market against a Palmetto median of 54 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $192,000, now $189,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Missy Carpenter. MLS #A4676062.
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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