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1640 Center Road, Palmetto, FL 34221

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For Sale

$699,900

3 beds • 2 baths • 1,978 sqft

Estimated Payment

$ 3,770 /mo. †

6.63% APR for 30 yrs.
$2,192 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • $353.84
    Price per square foot

  • 41-50 Years Old
    Age

Explore this Property

Discover Your Serene Retreat on Terra Ceia Island! Welcome to a slice of paradise where the charm of island living meets the comforts of home! Nestled on a generous 1.8-acre lot, this inviting ranch-style residence offers the perfect blend of comfort, charm, and easy living. As you approach the property, you ll be captivated by the picturesque setting that surrounds this well-maintained home. Step inside to find a warm and welcoming interior featuring three spacious bedrooms with an office/den and an open living area bathed in natural light. The heart of the home is the well-appointed kitchen, complete with ample counter space and storage perfect for whipping up delicious meals with fresh, local ingredients from the island produce stand. Imagine sipping your morning coffee on the back patio while enjoying the peaceful views of your expansive yard, where you can garden, play, or simply soak in the serene atmosphere. But that s not all! This property comes with a detached three-car garage and a versatile pole barn, providing plenty of room for your hobbies, projects and island toys, from kayaks to bikes. Located on historic Terra Ceia Island, also known as Heavenly Land & full of rich history, follow a scenic one-lane road that meanders through the island. Spend your evenings watching the stunning sunsets that paint the sky in hues of orange and pink, creating the perfect backdrop for your new island lifestyle. Whether you re searching for a primary residence or a peaceful getaway, this home offers the ideal setting for easy living and relaxation. This home features numerous improvements including A/C 2022, 15 year old metal roof, brand new showers, R38 insulation & ductwork 2023 and a whole-home generator for your peace of wind. Quick & easy access to I75, I275, 41 & 301 makes for convenient commuting. Come experience the warmth and charm of Terra Ceia Island your dream home awaits! *Home had NO water intrusion from either storm!
MLS# A4628284

Courtesy Of Coldwell Banker

(941) 739-6777

Property Features

  • Age
    41-50 Years Old
  • Appliances
    Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • Architecture Style
    Other
  • Exterior Type
    Vinyl Siding
  • Floor Covering
    Carpet, Tile, Wood
  • Heating System
    Central Furnace
  • Lot Size
    1.81 Acres
  • Roof Type
    Metal
  • Rooms
    Kitchen, Living Room

Map and Directions

Directions to 1640 Center Road, Palmetto, FL 34221

Home seller CENTURY 21 Beggins Enterprises

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Beggins Enterprises

(813) 658-2121
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $3,587
  • Property Taxes
    $182
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $3,770

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Palm View K-8 School

Grades PK-8 Public School

Palmetto, FL 34221 1.5 miles
6025 bayshore rd

749 total students
17:1 Student teacher ratio

School Rating: C

School Details

Palmetto High School

Grades 9-12 Public School

Palmetto, FL 34221 3.2 miles
1200 17th st w

2065 total students
23:1 Student teacher ratio

School Rating: D+

School Details
Other Nearby Schools Distance Type Grades School Rating
Educational Harbor 1.9 miles Private KG-12
James Tillman Elementary School 3.2 miles Public PK-5 A-
Palmetto Charter School 3.5 miles Public PK-8 A
Lincoln Memorial Academy 3.6 miles Public 6-8
Hospital Homebound Instruction 3.7 miles Public KG-12
Manatee Virtual Franchise (etech School Of Manatee) 3.7 miles Public 1-12 D
Manatee Virtual Instruction Program 3.7 miles Public KG-12
Palmetto Elementary School 3.8 miles Public PK-5 C-
Just For Girls Middle School 3.8 miles Public 6-8 D
Imagine Charter School At North Manatee 4.3 miles Public PK-8 C-
Manatee School For The Arts 4.5 miles Public 6-12 B-
Blackburn Elementary School 4.7 miles Public PK-5 D+
The Port Academy 5 miles Public 9-12
Ida M. Stewart Elementary School 5.9 miles Public PK-5 A

Educational Harbor

Distance: 1.9 miles

Type Private

Grades: KG-12

James Tillman Elementary School

Distance: 3.2 miles

Type Public

Grades: PK-5

A-

Palmetto Charter School

Distance: 3.5 miles

Type Public

Grades: PK-8

A

Lincoln Memorial Academy

Distance: 3.6 miles

Type Public

Grades: 6-8

Hospital Homebound Instruction

Distance: 3.7 miles

Type Public

Grades: KG-12

Manatee Virtual Franchise (etech School Of Manatee)

Distance: 3.7 miles

Type Public

Grades: 1-12

D

Manatee Virtual Instruction Program

Distance: 3.7 miles

Type Public

Grades: KG-12

Palmetto Elementary School

Distance: 3.8 miles

Type Public

Grades: PK-5

C-

Just For Girls Middle School

Distance: 3.8 miles

Type Public

Grades: 6-8

D

Imagine Charter School At North Manatee

Distance: 4.3 miles

Type Public

Grades: PK-8

C-

Manatee School For The Arts

Distance: 4.5 miles

Type Public

Grades: 6-12

B-

Blackburn Elementary School

Distance: 4.7 miles

Type Public

Grades: PK-5

D+

The Port Academy

Distance: 5 miles

Type Public

Grades: 9-12

Ida M. Stewart Elementary School

Distance: 5.9 miles

Type Public

Grades: PK-5

A

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Palmetto, FL 34221

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Palmetto, FL 34221

This community’s employment is highest in the agriculture and transportation industries. The area’s overall household expenses are below the national average.

91° July
Hottest Average Month
51° January
Coldest Average Month
20,754 Total Households in Area
9.2% Increase in population since the year 2010
23.9%
of households
have children
27 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Palmetto, FL 34221

Palmetto, FL 34221 has a population of 53,521 people in 20,754 households with a median age of 47.2 years old.

9.2%
Increase in population
since the year 2010
Population is Trending up
18,610
Total households as of 2010
8.2%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 47.2 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

White 64%
Hispanic 22%
Black 13%
Other 9%
Asian 2%
Native American <1%
The most prevalent ethnicity is White at 64%, followed by Hispanic at 22%, Black at 13%, and Other at 9%.

Economics
for Palmetto, FL 34221

686 /sq mi
Population Density
$68,320 /yr
Median Household Income
$405,700
Median Sales Price
27 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 18.93% of the households.

Transportation to Work

  • Drive 87%
  • Work from Home 11%
  • Walk or Bike 2%
  • Public Transit 1%

Occupancy by Type

Owned 16,302 66%
Rented 4,452 18%
Vacant 3,937 16%

White vs Blue Collar Jobs







White Collar 73%
Blue Collar 27%

Family & Education Facts
for Palmetto, FL 34221

47.2 Median Age

Average Household Size

2.5
persons per
household

51.2%

Married Households

Community Population By Education

High School Graduate 34%
Some College 18%
Bachelors Degree 17%
Some High School 12%
Graduate Degree 10%
Associates Degree 10%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 33.72% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
23.9% of households have children

Weather
for Palmetto, FL 34221

The weather for this area ranges from a high of 91° F in July to a low of 51° F in January

91° July
Hottest Average Month
51° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
51°
72°
Feb
52°
73°
Mar
57°
77°
Apr
61°
82°
May
67°
87°
Jun
72°
90°
Jul
73°
91°
Aug
74°
91°
Sep
72°
89°
Oct
66°
85°
Nov
58°
79°
Dec
53°
73°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. 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. 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.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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