8219 TEA OLIVE TERRACE, Palmetto, FL, 34221 | $645,000

**NEARLY NEW, MOVE-IN READY Home Featuring NO CDD FEES — SAVING YOU HUNDREDS OF DOLLARS EVERY MONTH - PLUS SELLER IS OFFERING $5, 000 Toward Buyer Closing Costs**

Welcome to your ideal Florida retreat located within an active golf course community and just a short drive to world-famous beaches including Anna Maria Island, Longboat Key, and St. Pete Beach. Built in 2023, this impressive two-story home offers the perfect blend of modern luxury, comfort, and convenience, all within a community featuring a low HOA and optional golf membership.

From the moment you arrive, the inviting covered front porch and spacious two-car garage set the tone. Inside, the home shows like a model with elevated ceilings and tile flooring throughout the main living areas, creating a bright and airy atmosphere. At the front of the home, a versatile flex space showcases a striking floor-to-ceiling shiplap electric fireplace, making it perfect for a formal sitting room, stylish home office, or creative studio.

The heart of the home is the expansive great room, highlighted by a tray ceiling, built-in surround sound, and sliding glass doors that lead to a private outdoor retreat. The beautifully designed eat-in kitchen is ideal for both everyday living and entertaining, featuring a large quartz island, double wall ovens, and abundant cabinetry for storage and preparation space.

The main-level primary suite offers a peaceful retreat with a dual-sink vanity, elegant marble-style tiled shower, and private water closet. Upstairs, a spacious flex loft provides endless possibilities for a media room, playroom, or second living area. This level also includes a private en-suite bedroom, two additional guest bedrooms, and another full bath—perfect for guests or family members.

Step outside to enjoy the covered back patio equipped with dual ceiling fans and a TV mount, overlooking tranquil tree-lined preserve views. The home sits on a beautiful preserve lot with ample space to add a pool, allowing you to create your own backyard oasis.

**For added confidence and security, the home is also equipped with **hurricane impact-rated windows and doors throughout, providing valuable protection and peace of mind. **

Golf enthusiasts will appreciate having a course right within the community, with memberships optional and not required. Conveniently located near Publix and Gateway Commons, you’ll have shopping, dining, and everyday conveniences just minutes away. Additional nearby attractions include Ellenton Premium Outlets and Terra Ceia Preserve State Park, while major roadways provide easy access to Tampa, St. Petersburg, and Sarasota.

With its versatile floor plan, modern finishes, seller incentives, and prime location near Florida’s most celebrated beaches, this home offers the perfect opportunity for full-time living, entertaining, or enjoying the Florida lifestyle year-round.

Features

  • Rooms: 4
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Inside, Laundry Room
  • Year Built: 2023
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,976
  • Acreage: 0.17
  • Est. Taxes: $6,173
  • HOA Fee: $120 Monthly
  • Lot Desc: Landscaped, Near Golf Course, Sidewalk
  • View: Park/Greenbelt, Trees/Woods
  • Elem. School: Virgil Mills Elementary
  • Middle School: Buffalo Creek Middle
  • High School: Palmetto High
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave, Refrigerator
  • MLS#: A4679355
  • Days on Market: 74 days
  • Website: https://www.raveis.com
    /prop/A4679355/8219teaoliveterrace_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 5/16/2026 10:47:07 AM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

8219 TEA OLIVE TERRACE, Palmetto, FL, 34221

$645,000

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 $516,000 $516,000 $516,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.625% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.133% 6.739% 5.952%
Monthly Tax Payment $514 $514 $514
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,970 $3,304 $4,285
Total Monthly Payment $3,576 $3,910 $4,891

* 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.