2810 14TH STREET W, PALMETTO, FL, 34221
Active146 days on marketListed Mar 12, 2026MLS #A4685940
About this home
2810 14TH STREET W
Embrace the Florida waterfront lifestyle in this beautifully updated double-wide home located within a the vibrant 55+ waterfront community of Tropic Isles designed for relaxation, recreation, and an active coastal lifestyle. Just steps from the home, this property includes a deeded dock with 10,000-lb boat lift at the end of the cul-de-sac, making it easy to spend your days boating, fishing, kayaking, or simply enjoying peaceful views along the water. Inside, the home has been thoughtfully updated to create a bright and welcoming space with a relaxed coastal feel. Wide plank flooring flows throughout the main living areas, complemented by soft neutral tones and abundant natural light that enhance the open layout. The renovated kitchen features crisp white shaker-style cabinetry, granite countertops, modern hardware, a tile backsplash, and an oversized breakfast bar that opens seamlessly to the living and dining areas, creating the perfect space for gathering with friends and family. Multiple living spaces offer flexibility for everyday living and entertaining, including a separate bonus living area highlighted by a warm wood accent wall that adds character and charm. A dedicated office with its own private exterior entrance provides an ideal setup for working from home, a creative studio, or a private guest workspace. Both bathrooms have been tastefully updated with modern vanities, stone countertops, and beautifully finished walk-in showers. Outside, the property features low-maintenance landscaping with no grass to maintain, giving you more time to enjoy the water and the incredible amenities this community offers. Residents enjoy access to an impressive array of amenities including a waterfront clubhouse, heated pool and spa, fitness center, pickleball and shuffleboard courts, game room, library, and community marina with boat ramp. Whether relaxing poolside, staying active with neighbors, or heading out on the water from your deeded dock, this community is designed for enjoying the Florida lifestyle to the fullest. **THIS PROPERTY QUALIFIES FOR A 1% LENDER INCENTIVE IF USING PREFERRED LENDER. INQUIRE FOR MORE DETAILS.**
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,220
Sqft
1985
Year built
One
Levels
$262
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.
$2,384 /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
$2,384/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
+13.2%
$/sqft vs Palmetto actives
$262 vs $208
Days on market
146 vs 56 typical
Where $262/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 → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
221 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 13% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2810 14TH 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 · Feb ’26$380,000
1207 31ST AVENUE W · same community
2 bd · 2 ba · 1,292 sqft · $294/sqft · 3 DOM
Sold · Jul ’26$287,500
2840 TRINIDAD WAY · same community
3 bd · 2 ba · 1,400 sqft · $205/sqft · 364 DOM
Sold · Jun ’26$230,000
1316 28TH AVENUE DRIVE W · same community
2 bd · 2 ba · 1,008 sqft · $228/sqft · 56 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 2810 14TH STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2810 14TH 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
2810 14TH STREET W FAQs
What would the monthly payment be for 2810 14TH STREET W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,384/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 2810 14TH 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 2810 14TH STREET W?+
The most recent tax bill on record (2025) was $2,283. 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 2810 14TH STREET W?+
The listing reports pets: 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 $320,000, this home is listed about 19% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2810 14TH 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
$320,000 is 13% below the PALMETTO 34221 median of $369,900.
02Time on market is leverage
146 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 $325,000, now $320,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING III · Toni Zarghami. MLS #A4685940.
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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