5603 NIGHT OWL TERRACE, PALMETTO, FL, 34221
Active19 days on marketListed Jul 18, 2026MLS #A4700396
About this home
5603 NIGHT OWL TERRACE
Welcome to this immaculately maintained, just 3-year-old home offering modern style, thoughtful upgrades, and breathtaking lake views. From the moment you arrive, you'll appreciate the charming curb appeal and inviting entry that opens to high ceilings, abundant natural light, and a spacious open-concept floor plan designed for today's lifestyle. Just off the foyer, a generous office provides the perfect space for working from home or a quiet retreat. The beautifully appointed kitchen features granite countertops, ample cabinetry, stainless steel appliances and overlooks the main living and dining areas, making entertaining effortless. A convenient first-floor guest bedroom is located next to a full bathroom featuring an upgraded glass-enclosed shower—ideal for visitors or multigenerational living. Upstairs, you'll find an oversized game room that offers endless possibilities for a media room, playroom, or additional living space, along with three more bedrooms. The spacious primary suite is a true retreat, showcasing stunning views of the expansive lake. The luxurious primary bath features dual vanities, his-and-her sinks, and an extra-large walk-in closet. Step outside to the screened lanai where you can relax and unwind while enjoying spectacular sunsets overlooking the oversized lake. Additional upgrades include updated light fixtures and gutters around the home, adding both style and functionality. This home is also built all-concrete-block construction for both the first and second floors, ensuring durability, storm protection, noise reduction, energy efficiency and better insulation. The community offers outstanding amenities, including a resort-style community pool, clubhouse, tot lot, and dog park, providing something for everyone to enjoy. Conveniently located near medical offices, restaurants, parks, golf courses, shopping, and just minutes from Florida's beautiful Gulf Coast beaches, this home combines quality construction, modern finishes, and an unbeatable location for comfortable everyday living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,738
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$173
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.
$3,884 /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
$3,884/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
+9.7%
$/sqft vs Palmetto actives
$173 vs $209
Days on market
19 vs 56 typical
Where $173/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 → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
219 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 29% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 5603 NIGHT OWL TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$350,000
5217 SONG SPARROW TERRACE · same community
3 bd · 2 ba · 1,669 sqft · $210/sqft · 14 DOM
Sold · Sep ’25$295,000
5217 SONG SPARROW TERRACE · same community
3 bd · 2 ba · 1,669 sqft · $177/sqft · 3 DOM
Sold · Apr ’26$275,000
5617 FLAGSTONE TRAIL · same community
3 bd · 2 ba · 1,459 sqft · $188/sqft · 255 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 5603 NIGHT OWL TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5603 NIGHT OWL TERRACE — 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
5603 NIGHT OWL TERRACE FAQs
What would the monthly payment be for 5603 NIGHT OWL TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,884/mo — principal and interest, the actual property-tax bill, the $124/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 5603 NIGHT OWL TERRACE?+
The association fee works out to $124 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5603 NIGHT OWL TERRACE?+
The most recent tax bill on record (2025) was $7,123. 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 5603 NIGHT OWL TERRACE?+
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 $475,000, this home is listed about 20% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5603 NIGHT OWL TERRACE?+
James Tillman Elementary Magnet School (elementary), Lincoln Memorial Middle School (middle), 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 LPT REALTY, LLC · Esmeralda Rico. MLS #A4700396.
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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