201 28TH STREET W, Palmetto, FL, 34221 | $299,000

The ONLY detached villa in the entire community, this beautifully upgraded 2-bedroom, 2-bath Single Family residence in Palmetto’s highly coveted Villas of Oak Bend offers an extraordinary level of privacy, natural light, and sophistication—delivering the feel of a single-family home with the ease of maintenance-free living. Villas of Oak Bend highlights NO CDD fees and LOW HOA Fees! From the moment you are inside this home, you will love the soaring ceilings and an open split floor plan create a bright, airy ambiance that sets the tone for the home’s elegant, thoughtfully curated upgrades. Luxury vinyl flooring, designer fixtures, updated hardware, custom closets, and newer stainless-steel appliances (approximately 2 years old) and renovated bathrooms that include upgraded designer tiled in showers, cabinetry and linen closets. This homeowner was sure to elevate every room with a refined yet comfortable aesthetic to enhance living in cozy luxury. The spacious kitchen, complete with generous cabinetry and a new garbage disposal, flows seamlessly into the dining and living areas, making daily living and entertaining effortless. A whole-home water softener system adds an additional touch of comfort and quality.

The living room opens gracefully to a recently upgraded and expanded no-see-um screened lanai, offering a serene indoor-outdoor haven perfect for morning coffee, quiet afternoons, or unwinding under evening skies. This exclusive standalone design allows sunlight to pour in from multiple angles—far more than a traditional paired villa—creating a bright, uplifting environment rarely found in this community.

A suite of premium upgrades—including a NEW roof and solar panels (buyer to assume lease)—contributes to long-term value, energy efficiency, and peace of mind. Both bathrooms have been tastefully renovated with modern tilework and neutral finishes, delivering a crisp, spa-like feel. The two bedrooms are generously sized with customized storage solutions, offering comfort and versatility for guests, family, or work-from-home needs.

Perfectly positioned just minutes from I-275, I-75, waterfront dining, boutique shopping, and the world-famous Gulf Coast beaches, this rare detached villa offers an exceptional blend of luxury, privacy, and convenience. Opportunities like this simply do not come to market often—this is truly a standout residence for the discerning buyer.

Features

  • Rooms: 5
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Style: Florida
  • Year Built: 2005
  • Garage: 1-car
  • Heating: Central, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,243
  • Acreage: 0.08
  • Est. Taxes: $4,195
  • HOA Fee: $300 Monthly
  • Lot Desc: Landscaped, Level
  • View: Trees/Woods
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Water Softener
  • MLS#: A4674636
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/A4674636/20128thstreetw_palmetto_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 12/16/2025 1:15:09 AM)
Listing courtesy of Compass Florida LLC   Phone: 727-339-7902

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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201 28TH STREET W, Palmetto, FL, 34221

$299,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $239,200 $239,200 $239,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.472% 6.443% 5.648%
Monthly Tax Payment $350 $350 $350
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,377 $1,473 $1,939
Total Monthly Payment $1,802 $1,898 $2,364

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.