3009 LIVE OAK LANE, PALMETTO, FL, 34221
Active2 days on marketListed Aug 7, 2026MLS #A4702246
About this home
3009 LIVE OAK LANE
Welcome to the Palms of Terra Ceia, where this beautifully renovated villa offers comfortable Florida living along with the LOWEST HOA FEES in the community. Inside, you'll find porcelain tile flooring throughout, a redesigned kitchen with solid wood cabinetry, quartz countertops, updated appliances and lighting. Both bathrooms have been modernized, showcasing a spacious walk-in shower in the primary bath with new vanities and fixtures. Additional improvements include a NEW HVAC system in 2024 with smart thermostat, newer water heater, and updated garage door opener and control panel. Unwind in the spacious Florida Room which is also air conditioned for your comfort. The community experienced NO FLOODING during the 2024 hurricane season! Enjoy a relaxed lifestyle with access to golf, tennis, pickleball, clubhouse amenities and social activities. All this plus a convenient location near Terra Ceia Bay, boating, Gulf beaches, restaurants, shopping, parks and area sports venues. Whether you're looking for a full-time home or a Florida getaway, this is a wonderful opportunity to enjoy all that the Terra Ceia area has to offer. Furniture is available separately if desired. This home is FRESH and won't last!! Bring the GOLF CART!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,488
Sqft
6.13 ac
Lot size
2
Garage
1997
Year built
One
Levels
$220
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 — not generic estimates.
$2,687 /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
$2,687/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
+19.2%
$/sqft vs Palmetto actives
$220 vs $205
Days on market
2 vs 57 typical
Where $220/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 → $355K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
230 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 17% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 3009 LIVE OAK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$230,000
3108 LIVE OAK LANE UNIT 21 · same community
3 bd · 2 ba · 1,659 sqft · $139/sqft · 28 DOM
Sold · Mar ’26$321,500
1015 24TH AVENUE W
3 bd · 2 ba · 1,486 sqft · $216/sqft · 149 DOM
Sold · Oct ’25$395,000
1907 14TH STREET COURT W
3 bd · 2.5 ba · 1,523 sqft · $259/sqft · 5 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 3009 LIVE OAK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3009 LIVE OAK LANE — 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
3009 LIVE OAK LANE FAQs
What would the monthly payment be for 3009 LIVE OAK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,687/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3009 LIVE OAK LANE?+
The most recent tax bill on record (2025) was $5,414. 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 3009 LIVE OAK LANE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size 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 $328,000, this home is listed about 17% below the Palmetto median of $394,999. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Lori Skaggs. MLS #A4702246.
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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