David Ramirez
$317,0003 bd2 ba1,528 sqft$207 /sqft$2,923 /mo all-in ↓

5329 SENZA TRAIL, PALMETTO, FL, 34221

Active8 days on marketListed Jul 16, 2026MLS #A4699222

Priced 13% below the PALMETTO 34221 medianSingle Family ResidenceTREVESTA PH IIIC & IIID

About this home

5329 SENZA TRAIL

This almost new 2022 spacious 3-Bedroom, 2-Bath with open, split floorplan residence includes Pond View and Modern Upgrades! Located in a quiet, gated neighborhood with no direct back neighbor and fully fenced, this home offers privacy, style, and comfort. The open-concept layout is perfect for entertaining, with a spacious living room that flows into the dining area and a modern kitchen. Enjoy Florida living from your screened-in lanai overlooking the pond, or relax in the fully fenced-in backyard. Trevesta residents enjoy resort-style amenities including a beautiful pool, clubhouse, and playground. Low HOA fees also include Cable TV,

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,528

Sqft

0.17 ac

Lot size

2

Garage

2022

Year built

One

Levels

$207

Per sqft

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorKitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$211/mo
Taxes (2025)$6,552/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Deed Restrictions · Gated Community - No Guard · Pool

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$2,923 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,866
FHA mortgage insurance (est.)$140
Property tax — 2025 actual bill$546
HOA fee — from the listing$211
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,095Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,095
Interest rate6.00%
Loan term

Estimated payment

$2,923/mo

Principal & interest$1,866
FHA mortgage insurance (est.)$140
Property taxes (actual bill)$546
HOA / condo fee$211
Est. insurance$160

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.

List $317K
$304KedgeAI estimate $332,070 · range $328K$338K$351K

vs edgeAI estimate

−4.5%

$/sqft vs Palmetto actives

$207 vs $207

Days on market

8 vs 55 typical

Where $207/sqft sits among the 400 Palmetto actives

97
144 · this home
76
38
15
30
$126–174$174–222$222–271$271–319$319–367$367+

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

Map of 5329 SENZA TRAIL

Drive times from this address

Downtown Tampa48 min
Tampa Int’l Airport (TPA)56 min

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

ElementaryJames Tillman Elementary Magnet School★★★★★
HighPalmetto High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palmetto market

Seller’s marketBalanced5.7 months of inventoryBuyer’s 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 13% below the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

Jul 16, 2026Listed at $317,000 · 8 days on market since
2022Built · TREVESTA PH IIIC & IIID

Reality check

What actually sold near 5329 SENZA TRAIL

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5536 PATANO LOOPSold · Jun ’26

$360,000

5536 PATANO LOOP · same community

3 bd · 2 ba · 1,720 sqft · $209/sqft · 8 DOM

5406 PATANO LOOPSold · Mar ’26

$365,000

5406 PATANO LOOP · same community

3 bd · 2 ba · 1,720 sqft · $212/sqft · 82 DOM

5336 PATANO LOOPSold · Feb ’26

$349,000

5336 PATANO LOOP · same community

3 bd · 2 ba · 1,720 sqft · $203/sqft · 207 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5329 SENZA TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5329 SENZA TRAIL — 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.

Goes straight to David’s phone and CRM.

Straight answers

5329 SENZA TRAIL FAQs

What would the monthly payment be for 5329 SENZA TRAIL?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,923/mo — principal and interest, the actual property-tax bill, the $211/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 5329 SENZA TRAIL?+

The association fee works out to $211 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5329 SENZA TRAIL?+

The most recent tax bill on record (2025) was $6,552. 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 5329 SENZA TRAIL?+

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 $317,000, this home is listed about 21% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5329 SENZA TRAIL?+

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.

Listing courtesy of SPECIALIZED REAL ESTATE LLC · Otto Hajek. MLS #A4699222.

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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