12525 WHARF TERRACE, PALMETTO, FL, 34221
Pending333 days on marketListed Sep 8, 2025MLS #TB8425541
About this home
12525 WHARF TERRACE
What's Special: Large Game Room | Preserve View | 1st Floor Guest Suite. New Construction – Ready Now! Welcome to the Palm at 12525 Warf Terrace in Palms at Coasterra! This stunning new home blends style and functionality, offering plenty of space for everyday living and entertaining. Step inside to find an elegant foyer leading to the formal dining room, perfect for gatherings. The gourmet kitchen is a true centerpiece, featuring a large center island and beautiful LVP flooring that flows seamlessly into the casual dining area and spacious great room. Sliding glass doors open to an expansive covered lanai, ideal for relaxing outdoors. A first-floor secondary bedroom with a full bath close by provides a private retreat for guests. Upstairs, the expansive primary suite boasts a spa-inspired bathroom and a generous walk-in closet. Three additional secondary bedrooms, each with its own walk-in closet, provide plenty of room, including one with a private bath. A shared bath, convenient laundry room, and versatile game room complete the second floor. This amenity-rich master-planned community is surrounded by natural beauty and endless ways to enjoy fun, fitness, and connection. Club Coasterra overlooks a 65-acre lake with four pools, cabanas, a workout space, and a lakeside pavilion. Enjoy additional pools, a dog park, a 20-acre lake, and a 160-acre nature park with trails, all near I-75 with access to Sarasota and Tampa. Additional Highlights Include: gourmet kitchen, a sliding glass door in the casual dining area and great room, soaking tun with a separate shower in the primary bathroom, shower in the main floor full bath, tray ceiling package, and extended covered lanai. Photos are for representative purposes only. MLS#TB8425541
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,191
Sqft
0.2 ac
Lot size
3
Garage
2026
Year built
Two
Levels
$204
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.
$3,990 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,586/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+5.4%
$/sqft vs Palmetto actives
$204 vs $206
Days on market
333 vs 56 typical
Where $204/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)
223 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 75% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 12525 WHARF TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$600,000
12516 WHARF TERRACE · same community
4 bd · 4.5 ba · 2,921 sqft · $205/sqft · 79 DOM
Sold · May ’26$600,000
12508 WHARF TERRACE · same community
5 bd · 4.5 ba · 3,461 sqft · $173/sqft · 21 DOM
Sold · Mar ’26$660,000
12541 WHARF TERRACE · same community
5 bd · 4.5 ba · 3,461 sqft · $191/sqft · 0 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 12525 WHARF TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12525 WHARF 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
12525 WHARF TERRACE FAQs
What would the monthly payment be for 12525 WHARF TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,990/mo — principal and interest, estimated property taxes, the $79/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 12525 WHARF TERRACE?+
The association fee works out to $79 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12525 WHARF TERRACE?+
The most recent tax bill on record (2025) was $0. 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 12525 WHARF TERRACE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $649,999, this home is listed about 65% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12525 WHARF 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.
The brief
Four things that matter here
01Positioned at the premium end
$649,999 runs 75% above the PALMETTO 34221 median — but at 3,191 sqft it's also 65% larger than the typical Palmetto listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
333 days on market against a Palmetto median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $733,282, now $649,999 — a $83K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TAYLOR MORRISON REALTY OF FL · Michelle Campbell. MLS #TB8425541.
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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