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$549,900

10908 38TH TERRACE EAST, PALMETTO, FL 34221

3D Tour
Active15 days on market

Beds

4

Baths

3

Sq Ft

2,555 sq ft

Year Built

2026

Lot Size

0.22 acres

Garage

2

About This Property

MOVE-IN READY! Step off the front porch and into a welcoming entryway with an extended tray ceiling that embraces the main hallway. French doors open into a secluded home office that overlooks the front yard. A full guest suite with a private bathroom and ample closet space is off the main hall. The kitchen features an island with built-in seating, and corner walk-in pantry. The dining area flows from the kitchen to the connecting family room which offers plenty of natural light from its wall of windows and access to the backyard covered lanai. The primary bedroom has three large windows overlooking the backyard space. Double doors lead into the bathroom which hosts dual vanities, a garden tub, glass enclosed shower, and two walk-in closets. Two secondary bedrooms and the laundry room complete the floor plan. The drop zone is located off the two-car garage.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8497905
StatusActive
Year Built2026
Total Rooms8
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionMANDARIN GROVE
CountyManatee
OwnershipFee Simple
New ConstructionYes

Interior Features

InteriorCeiling Fan(s), High Ceilings, Open Floorplan, Solid Surface Counters, Thermostat, Walk-In Closet(s)
FlooringCeramic Tile
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Exhaust Fan, Microwave, Range Hood
LaundryInside, Laundry Room
WindowsENERGY STAR Qualified Windows, Shutters
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Sliding Doors
Lot Size0.22 acres (9,659 sq ft)
Lot FeaturesCul-De-Sac, Oversized Lot
Road SurfaceAsphalt
ViewWater
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Sewer Connected, Sprinkler Recycled, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$19 / Monthly
Senior CommunityNo

Financial Details

List Price$549,900
Original Price$529,900
Annual Taxes$3,594 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningRESIDENTIA
Parcel #612306959

Schools

ElementaryJames Tillman Elementary
MiddleBuffalo Creek Middle
HighPalmetto High

Directions

From downtown Tampa, get on I-275 S across the Sunshine Skyway Bridge. After the bridge take exit 2 for US – 41/US-19 toward Palmetto/Ellenton. Continue on US-41 S for approximately 4 miles, then turn left onto 40th Avenue. Proceed on 40th Avenue, and 37th Avenue East will be on your right. Your destination will be on the left.

Location

10908 38TH TERRACE EAST, PALMETTO, FL 34221

Listing Information

OfficePERRY HOMES
ListedApril 15, 2026

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Home Price

$549,900

20% ($109,980)
6.75%

Loan Term

Principal & Interest$2,853
Property Tax (est.)$504
Insurance (est.)$150
Total Monthly$3,507
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $549,900 home in PALMETTO.

🏛️

FHA Loan

$19,247 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

$27,495 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: July 25, 2026.

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