2854 89TH STREET CIRCLE E, PALMETTO, FL, 34221
Active198 days on marketListed Jan 7, 2026MLS #A4676873
About this home
2854 89TH STREET CIRCLE E
Virtually Staged. Short Sale. Discover Heron Bay, where luxury and comfort come together in perfect harmony! Imagine walking into this breathtaking, move-in-ready home and being greeted by an open foyer that opens into a spacious living area, flooded with natural light. The effortless flow into the dining area and kitchen creates an inviting space that's perfect for both entertaining and daily living. In this beautifully designed kitchen, your culinary dreams can become a reality. With elegant granite countertops, a charming eat-in island ideal for casual meals, and ample cabinetry alongside a generous pantry, this kitchen perfectly balances style and practicality. Adding to the home's appeal is a thoughtfully placed first-floor bedroom and a full bath featuring stylish granite countertops and a convenient bath/shower combo—making it easy to host family and friends. Venture upstairs to discover a flexible loft space that can easily be turned into a game room or a cozy second living area, complete with two closets for extra storage. The owner’s retreat is truly a personal haven, offering a spacious walk-in closet and a lavish ensuite bath equipped with dual sinks, granite countertops, and an expansive walk-in shower. With three additional bedrooms on the second floor, plus a third full bath that includes a tub/shower combination, this home ensures ample space for family and visitors alike. And don’t overlook the convenient laundry room connected to the attached two-car garage, streamlining everyday chores. Step outside to bask in the generous backyard, fenced on two sides, providing the perfect setting for relaxation or entertaining. Could this be the dream home you've been searching for? Don’t let this opportunity slip away—schedule your showing today and take the first step toward turning this house into your home!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,589
Sqft
0.12 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$144
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.
$3,115 /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
$3,115/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
−6.6%
$/sqft vs Palmetto actives
$144 vs $207
Days on market
198 vs 55 typical
Where $144/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 → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
214 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 2% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2854 89TH STREET CIRCLE E
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$864,000
Nearby listing · same community
4 bd · 3 ba · 2,450 sqft · $353/sqft · 0 DOM
Sold · Apr ’26$575,000
5926 NW 117th Drive # 9B, Coral Springs FL 33076 · same community
3 bd · 2.5 ba · 2,449 sqft · $235/sqft · 203 DOM
Sold · Dec ’25$830,000
12520 NW 79th Manor, Parkland FL 33076 · same community
4 bd · 3 ba · 2,426 sqft · $342/sqft · 205 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 2854 89TH STREET CIRCLE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2854 89TH STREET CIRCLE E — 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
2854 89TH STREET CIRCLE E FAQs
What would the monthly payment be for 2854 89TH STREET CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,115/mo — principal and interest, the actual property-tax bill, the $105/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 2854 89TH STREET CIRCLE E?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2854 89TH STREET CIRCLE E?+
The most recent tax bill on record (2025) was $5,944. 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 2854 89TH STREET CIRCLE E?+
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 $372,000, this home is listed about 7% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2854 89TH STREET CIRCLE E?+
James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HOUSE MATCH · Viktor Kulakovskiy. MLS #A4676873.
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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