8469 IMPERIAL LAKES CIRCLE, PALMETTO, FL, 34221
Pending32 days on marketListed Jun 26, 2026MLS #A4698209
About this home
8469 IMPERIAL LAKES CIRCLE
Waterfront Living at Its Finest! Enjoy breathtaking lake views from this beautifully maintained 2-bedroom, 2-bath home in the sought-after Imperial Lakes Estates community. Situated on a prime waterfront lot with a private dock and seawall, this property is perfect for relaxing, fishing, or simply taking in the peaceful scenery. Inside, you’ll find spacious living areas, whole home generator, wood burning fireplace, updated kitchen, waterfront dock and concrete seawall. beautifully remodeled bathrooms with quality finishes. The bright Florida room offers panoramic water views and is the perfect place to enjoy your morning coffee or entertain guests. The oversized garage provides ample storage and workspace. Outside, the meticulously landscaped yard is one of the home’s standout features, offering colorful gardens, mature palms, and exceptional curb appeal. Imperial Lakes Estates offers an active lifestyle with outstanding amenities and a convenient location just minutes from grocery stores, restaurants, shopping, medical facilities, and everyday conveniences. Imperial Lakes Estates is a resident owned, gated community conveniently located in Palmetto, Florida. active 55+ community consists of 310 single family dwellings surrounded by beautiful landscaping and centered on 65-acre Imperial Lake. Some of our amenities include, 2 heated pools and a spa, pickleball courts, shuffleboard, bocce, and horseshoes. Our updated clubhouse, which houses an auditorium, dance floor, stage, kitchen, library, game room with 2 pool tables, and office hosts many activities sponsored by our recreation committee that include breakfasts, dinners, live entertainment, bingo, and much, much more.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,795
Sqft
0.14 ac
Lot size
2
Garage
1987
Year built
One
Levels
$162
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.
$2,216 /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
$2,216/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
+18.2%
Days on market
32 vs 55 typical
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 Imperial Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Imperial Lakes — neighborhood snapshot
Population
1,279
Median age
53
Median income
$75,761
Median home value
$344,200
Avg household
3
Households w/ children
127
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)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
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 8469 IMPERIAL LAKES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8469 IMPERIAL LAKES CIRCLE — 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
8469 IMPERIAL LAKES CIRCLE FAQs
What would the monthly payment be for 8469 IMPERIAL LAKES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,216/mo — principal and interest, the actual property-tax bill, the $181/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 8469 IMPERIAL LAKES CIRCLE?+
The association fee works out to $181 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8469 IMPERIAL LAKES CIRCLE?+
The most recent tax bill on record (2026) was $470. 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 8469 IMPERIAL LAKES CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $290,000, this home is listed about 27% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8469 IMPERIAL LAKES CIRCLE?+
Buffalo Creek Middle School (middle), Barbara A Harvey Elementary School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALMETTO 34221 market on paper
$290,000 is 21% below the PALMETTO 34221 median of $364,900, and at $162/sqft it sits under the Palmetto average of $234.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Buffalo Creek Middle School, Barbara A Harvey Elementary School, Palmetto High School — Barbara A Harvey Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $300,000, now $290,000 — a $10K cut. The full history is in the market section below.
Listing courtesy of MATTHEW GUTHRIE AND ASSOCIATES REALTY LLC · Devon Darsey. MLS #A4698209.
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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