2896 89TH STREET CIRCLE E, Palmetto, FL, 34221 | $439,000

PERFECT OPPORTUNITY. BARELY LIVED IN. LOOKS BRAND NEW. WON"T LAST AT THIS PRICE. Located in the sought-after community of Heron Bay, this beautifully designed 2024-built corner-lot residence offers modern comfort, style, and convenience in a move-in ready setting. Easily Access from I-75 in an area that is still growing. Very close to the Skyway for boating and fishing. A welcoming front porch sets the tone for the home’s inviting open-concept layout, thoughtfully designed for both everyday living and entertaining. Designated office space at the front of the house. The kitchen features a spacious center island with breakfast bar seating, stainless steel appliances, and a walk-in pantry, seamlessly connecting to the main living and dining areas. Every room has perfect storage. Luxury vinyl plank flooring extends throughout the main living spaces, while the bedrooms have the comfort of carpeting. The primary suite includes a well-appointed ensuite bath with dual sinks and a walk-in glass shower. Additional highlights include a full-size washer and dryer in the dedicated laundry room, impact windows and doors, a covered rear patio, fenced backyard that includes great side yard for either a dog run or a place to practice soccer and an attached large two-car garage. Ideally situated for easy access in and out of the community, the home is also conveniently close to Heron Bay’s exceptional community amenities. Community pool and mail area right across the street. ROOF, A/C, HOT WATER HEATER, AND ELECTRIC ONLY 2 YEARS OLD!!!!!!!!! This is an affordable neighborhood, a starter home, or a perfect second home for winter residents.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2024
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,627
  • Acreage: 0.12
  • Est. Taxes: $4,604
  • HOA Fee: $300 Quarterly
  • Elem. School: James Tillman Elementary
  • Middle School: Buffalo Creek Middle
  • High School: Palmetto High
  • Pet Policy: Breed Restrictions
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4692928
  • Days on Market: 5 days
  • Website: https://www.raveis.com
    /prop/A4692928/289689thstreetcirclee_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 5/13/2026 6:27:31 AM)
Listing courtesy of Redfin Corporation   Phone: 617-458-2883

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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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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

2896 89TH STREET CIRCLE E, Palmetto, FL, 34221

$439,000

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 $351,200 $351,200 $351,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.512% 5.730%
Monthly Tax Payment $384 $384 $384
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,103 $2,191 $2,868
Total Monthly Payment $2,562 $2,650 $3,327

* 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.