$189,000
3002 12TH STREET W, PALMETTO, FL 34221
Beds
2
Baths
2
Sq Ft
1,056 sq ft
Year Built
1992
Lot Size
0.07 acres
Garage
,
About This Property
GOLF CART INCLUDED on full-price as-is purchase!!! Don't miss this beautiful 2-bedroom, 2-bath home in Tropic Isles, a highly sought-after 55+ waterfront community where you own the land—NO lot rent! Built in 1992 and offering approximately 1,056 square feet of comfortable living space, this well-maintained home is ideal as a seasonal retreat or full-time Florida residence. Conveniently located just minutes from Terra Ceia Bay and the stunning Gulf Coast beaches, you'll enjoy the best of coastal living. Inside, the open-concept kitchen, dining, and living areas create a bright, welcoming space that's perfect for everyday living and entertaining. Vaulted ceilings enhance the spacious feel, while continuous flooring throughout means there's no carpet to maintain. A built-in hutch adds both charm and functionality. The home also offers exceptional outdoor features, including an extra-long driveway with room for a boat or jet ski trailer, dedicated golf cart parking, and a large lockable storage shed for all your tools, beach gear, and recreational equipment. New French doors (December 2025) open to the screened-in patio, providing the perfect spot to enjoy your morning coffee or unwind with a sunset cocktail. Whether you're looking for a winter getaway or your forever home, this Tropic Isles gem offers comfort, convenience, and the relaxed Florida lifestyle you've been searching for. Schedule your private tour today.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
North over Green Bridge. Left at 10th St. W. Right at 28th Ave. Left on 12th St. W. Home is on right side.
Location
3002 12TH STREET W, PALMETTO, FL 34221
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$189,000
Loan Term
How to Buy This Home
Multiple financing options available for this $189,000 home in PALMETTO.
🏦
Conventional
$9,450 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Manatee County SHIP
Varies
Income-qualifying Manatee residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 5, 2026.