$220,000
302 40TH STREET CIRCLE W, PALMETTO, FL 34221
Beds
3
Baths
2
Sq Ft
1,104 sq ft
Year Built
1987
Lot Size
0.10 acres
Garage
1
About This Property
Virtually Staged. Move-in ready and packed with upgrades, this 2 bedroom, 2 bath villa with a loft delivers incredible value. Kitchen and Baths have been updated. Enjoy brand-new laminate flooring, new carpet, and a bright corner-unit layout with your own one-car garage. Tucked away on a quiet dead-end street, you get privacy and peace with no through-traffic. Comes partially furnished. Major expenses have already been handled: the HOA has replaced the roof on this home, is replacing roofs throughout the neighborhood, and will soon repaint all exterior buildings — all for just $290/month. That means fewer surprises and more long-term savings. Perfect for anyone working in St. Pete, this location offers an easy commute while giving you a comfortable, low-maintenance place to come home to.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
Take Exit 224 toward US-301 / Ellenton / Palmetto. Head west on US-301 N toward Palmetto. Continue straight as US-301 becomes 10th Street East. Turn right onto US-41 N / 8th Ave W. Turn left onto 49th Street W. Turn right onto 40th Street Cir W. Home will be on your right.
Location
302 40TH STREET CIRCLE W, PALMETTO, FL 34221
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$220,000
Loan Term
How to Buy This Home
Multiple financing options available for this $220,000 home in PALMETTO.
🏛️
FHA Loan
$7,700 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$11,000 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
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: October 10, 2026.