5523 2ND AVENUE CIRCLE W, PALMETTO, FL, 34221
Active259 days on marketListed Nov 21, 2025MLS #TB8450560
About this home
5523 2ND AVENUE CIRCLE W
Last undeveloped waterfront lot in the community! Build your own custom home on the shores of Terra Ceia Bay and add a custom built dock of your own design so you can enjoy a sunset every night within the privately gated eleven homestead community of Terra Ceia Bay Estates. This lot has the largest acreage and the best sunset views to the West. As you build up in elevation watch the dolphins, manatees and stingrays play out in Terra Ceia Bay and see the Skyway Bridge off in the distance. Fisherman’s delight, power and sail boater’s dream with no-bridge direct Gulf access and soul soothing views for relaxing days and evenings. Everything is private in this enclave, including the community pool right outside your future front door, or perhaps build your own custom pool right on your lot. Association monthly fee includes use and care of the pool, home lawn care, shrub maintenance, and connection of your sprinkler system to the separate and private irrigation water supply. 25 minutes to downtown St. Pete, 35 minutes to Tampa airport, 20 minutes to University Mall. Waterfront lots are few and far between so what are you waiting for?
Facts & features
The home at a glance
0.42 ac
Lot size
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.
$5,302 /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
$5,302/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
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)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 87% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 5523 2ND AVENUE CIRCLE W
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$1,500,000
5531 2ND AVENUE CIRCLE W · same community
4 bd · 3.5 ba · 3,194 sqft · $470/sqft · 241 DOM
Sold · Dec ’25$1,790,000
5509 2ND AVENUE CIRCLE W · same community
4 bd · 4 ba · 3,642 sqft · $491/sqft · 3 DOM
Sold · Oct ’25$55,000
420 49TH STREET E UNIT 63
2 bd · 1 ba · 672 sqft · $82/sqft · 1 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 5523 2ND AVENUE CIRCLE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5523 2ND AVENUE CIRCLE W — 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
5523 2ND AVENUE CIRCLE W FAQs
What would the monthly payment be for 5523 2ND AVENUE CIRCLE W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,302/mo — principal and interest, the actual property-tax bill, the $500/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 5523 2ND AVENUE CIRCLE W?+
The association fee works out to $500 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5523 2ND AVENUE CIRCLE W?+
The most recent tax bill on record (2024) was $7,300. 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 5523 2ND AVENUE CIRCLE W?+
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 $699,000, this home is listed about 77% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5523 2ND AVENUE CIRCLE W?+
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
$699,000 runs 87% above the PALMETTO 34221 median.
02Know the monthly fee
The association fee is $500/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
259 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 $750,000, now $699,000 — a $51K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KARNES REALTY GROUP · William Karnes, Ii. MLS #TB8450560.
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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