2652 89TH STREET CIRCLE E, PALMETTO, FL, 34221
Active1 days on marketListed Jul 28, 2026MLS #A4701085
About this home
2652 89TH STREET CIRCLE E
WELCOME to this BEAUTIFULLY maintained 3 bedroom, 2 bath home with a 2 car garage, offering 1,627 square feet of comfortable living space in the highly desirable community of Heron Bay in Palmetto. This home is perfect for first-time buyers, growing families, downsizers, or anyone looking for easy Florida living. As you step inside, you’re welcomed by a versatile flex room that can easily serve as a home office, den, playroom, or additional sitting area to fit your lifestyle. Elegant PLANTATION SHUTTERS and LUXURY VINYL FLOORING throughout the home add both style and durability, creating a warm, cohesive feel in every room. The heart of the home is the spacious kitchen, featuring wood cabinetry, granite countertops, stainless steel appliances, and a CENTER ISLAND with a built-in sink and seating which is perfect for entertaining guests or gathering with family. The kitchen overlooks the bright and inviting living room, where sliding glass doors provide peaceful views of the backyard and fill the space with natural light. Just off the kitchen is a separate dining area, offering the perfect setting for everyday meals or more formal gatherings. The primary suite is a relaxing retreat, complete with an ENSUITE bathroom offering dual vanities with granite countertops, a walk-in glass shower with a BUILT-IN BENCH, and a generously sized WALK-IN CLOSET. The additional bedrooms share a full bathroom with a single vanity, an extended countertop ideal for a seated makeup area, and a convenient tub/shower combination. Step outside to the covered lanai, the perfect place to enjoy your morning coffee or unwind at the end of the day. The fenced backyard, enhanced by a solid concrete privacy wall, offers plenty of space for children, pets, gardening, or simply enjoying the Florida sunshine. The attractive PAVER driveway enhances the home’s curb appeal, while smart home features, including a smart thermostat and smart water heater, provide added comfort and efficiency. The garage is also equipped with a transfer switch, offering convenient generator readiness for added peace of mind. Residents of Heron Bay enjoy access to a beautiful COMMUNITY POOL with a covered seating area and tables, creating the perfect place to relax, gather with family and friends, or meet your neighbors. Ideally located with quick access to I-75 and I-275, commuting to St. Petersburg, Tampa, Sarasota, and the area’s WORLD FAMOUS GULF BEACHES is a breeze. You’ll also appreciate being just minutes from shopping, dining, parks, and everyday conveniences. Whether you’re searching for your first home, your next home, or the perfect place to enjoy Florida, this charming Heron Bay residence checks all the boxes. MOVE-IN READY and thoughtfully upgraded, this is the perfect place to call home. Don't wait to make this your home and begin your FLORIDA Lifestyle!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,627
Sqft
0.11 ac
Lot size
2
Garage
2024
Year built
One
Levels
$230
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.
$2,806 /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
$2,806/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
+1.5%
$/sqft vs Palmetto actives
$230 vs $207
Days on market
1 vs 55 typical
Where $230/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)
217 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 3% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 2652 89TH 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 · Apr ’26$315,000
2688 89TH STREET CIRCLE E · same community
4 bd · 2 ba · 1,637 sqft · $192/sqft · 18 DOM
Sold · Dec ’25$370,000
633 HERON BAY DRIVE · same community
3 bd · 2 ba · 1,398 sqft · $265/sqft · 6 DOM
Sold · Apr ’26$735,000
12471 NW 78th Manor, Parkland FL 33067 · same community
3 bd · 2 ba · 1,913 sqft · $384/sqft · 35 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2652 89TH 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 2652 89TH STREET CIRCLE E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
2652 89TH STREET CIRCLE E FAQs
What would the monthly payment be for 2652 89TH STREET CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,806/mo — principal and interest, the actual property-tax bill, the $105/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 2652 89TH STREET CIRCLE E?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2652 89TH STREET CIRCLE E?+
The most recent tax bill on record (2025) was $2,015. 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 2652 89TH 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 $374,900, this home is listed about 6% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2652 89TH STREET CIRCLE E?+
James Tillman Elementary Magnet School (elementary), 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 SERHANT · Christy Peterson. MLS #A4701085.
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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