132 51ST STREET CIRCLE E, PALMETTO, FL, 34221
Active117 days on marketListed Apr 8, 2026MLS #TB8491009
About this home
132 51ST STREET CIRCLE E
Spacious Villa Living in a Prime, Well-Connected Gulf Coast Location Located in The Cove at Terra Ceia Bay, this 2-bedroom + den villa offers a rare combination of space, functionality, and low-maintenance living all just minutes from I-275 and the Sunshine Skyway, providing quick access to Sarasota, St. Petersburg, Tampa, and the world renowned Gulf beaches. The primary suite is generously sized and features a glass-enclosed shower, private water closet, and two closets, including a walk-in. A front den provides flexible use as a home office, media room, or guest space. The split-bedroom layout offers privacy for both residents and visitors. The open concept floor plan seamlessly connects the kitchen, dining, and living areas. The kitchen is equipped with a large granite island with bar seating, 36" shaker cabinets with soft-close hardware, a built-in pantry, and LG stainless steel appliances. Luxury vinyl plank flooring throughout and over 9ft ceilings enhance the home’s bright, open feel. Step outside to a private screened lanai overlooking a lake, offering a peaceful and private setting. A truly special spot to enjoy your morning coffee while watching the Whistling ducks swim by. Ideally positioned near Terra Ceia Bay and the Manatee River, the area is known for its boating access, nearby marinas, and proximity to Anna Maria Island beaches. Enjoy convenient access to downtown St. Petersburg, Tampa, and Sarasota, along with nearby parks, dining, and everyday amenities. The HOA provides true low-maintenance living, covering exterior maintenance, exterior paint, future roof replacement, master insurance, cable, internet, grounds maintenance, escrow reserves, common area taxes, and access to the community pool. Ideal for full-time residents, seasonal owners, or those looking to downsize without sacrificing space or location. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,941
Sqft
0.08 ac
Lot size
1
Garage
2022
Year built
One
Levels
$167
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.
$3,097 /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
$3,097/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.
$/sqft vs Palmetto actives
$167 vs $205
Days on market
117 vs 55 typical
Where $167/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 → $361K
Palmetto median sold, yr/yr
97.2%
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 11% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 132 51ST STREET CIRCLE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$580,000
4908 COMMONWEALTH ROAD
2 bd · 2 ba · 1,855 sqft · $313/sqft · 328 DOM
Sold · Aug ’25$270,000
4404 5TH AVENUE W
3 bd · 2 ba · 1,837 sqft · $147/sqft · 70 DOM
Sold · Feb ’26$440,000
4119 5TH AVENUE W
3 bd · 2 ba · 2,126 sqft · $207/sqft · 31 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 132 51ST STREET CIRCLE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 132 51ST STREET CIRCLE E — 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
132 51ST STREET CIRCLE E FAQs
What would the monthly payment be for 132 51ST STREET CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,097/mo — principal and interest, the actual property-tax bill, the $655/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 132 51ST STREET CIRCLE E?+
The association fee works out to $655 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 132 51ST STREET CIRCLE E?+
The most recent tax bill on record (2025) was $2,694. 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 132 51ST STREET CIRCLE E?+
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 $324,999, this home is listed about 19% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 132 51ST STREET CIRCLE E?+
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
Five things that matter here
01Under the PALMETTO 34221 market on paper
$324,999 is 11% below the PALMETTO 34221 median of $365,000, and at $167/sqft it sits under the Palmetto average of $234.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $655/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
117 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $349,999, now $324,999 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Megan Robinson. MLS #TB8491009.
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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