411 28TH STREET W, PALMETTO, FL, 34221
Active155 days on marketListed Mar 4, 2026MLS #A4683896
About this home
411 28TH STREET W
Welcome to this beautifully maintained 2 bedroom, 2 bath home in the Villas at Oak Bend, perfectly positioned at the end of a quiet cul-de-sac for added privacy and tranquility. Step inside to a bright and inviting open floor plan with tile flooring flowing throughout the main living areas, creating a seamless space that is both stylish and easy to maintain. The living and dining areas provide the perfect setting for relaxing or entertaining guests. The primary suite offers a comfortable retreat with an en-suite bathroom featuring a walk-in tiled shower, while the generously sized guest bedroom is located near the second full bathroom, ideal for visiting family, friends, or a home office. The kitchen provides ample cabinetry and workspace, making daily living simple and functional while remaining connected to the main living area. Step outside to enjoy your fully fenced backyard, offering a private outdoor space perfect for morning coffee, pets, or enjoying the Florida sunshine. Additional features include an attached one-car garage for storage and convenience, plus the benefit of a peaceful cul-de-sac location within the community. Conveniently located just minutes from shopping, dining, parks, and major roadways, this home offers an excellent opportunity for comfortable, low-maintenance living in a desirable location. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,243
Sqft
0.08 ac
Lot size
1
Garage
2005
Year built
One
Levels
$201
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.
$2,376 /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
$2,376/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.
$/sqft vs Palmetto actives
$201 vs $208
Days on market
155 vs 56 typical
Where $201/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 →
The numbers that matter
The Palmetto market
$359K → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
223 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 37% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 411 28TH 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 · Oct ’25$269,000
203 28TH STREET W · same community
2 bd · 2 ba · 1,243 sqft · $216/sqft · 136 DOM
Sold · Dec ’25$225,000
416 28TH STREET W · same community
3 bd · 2 ba · 1,291 sqft · $174/sqft · 391 DOM
Sold · Nov ’25$272,000
2603 5TH AVENUE E
3 bd · 2 ba · 1,234 sqft · $220/sqft · 55 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 411 28TH STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 411 28TH 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
411 28TH STREET W FAQs
What would the monthly payment be for 411 28TH STREET W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,376/mo — principal and interest, the actual property-tax bill, the $300/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 411 28TH STREET W?+
The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 411 28TH STREET W?+
The most recent tax bill on record (2024) was $4,004. 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 411 28TH STREET W?+
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 $250,000, this home is listed about 37% below the Palmetto median of $394,999. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the Palmetto market on paper
$250,000 is 37% below the Palmetto median of $394,999, and at $201/sqft it sits under the Palmetto average of $231.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
155 days on market against a Palmetto median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $269,000, now $250,000 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Joe Ebert. MLS #A4683896.
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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