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Overview

4 bd3 ba2,738 sqft2 car garageSingle Family
TypeSingle Family
HOA$124/mo
Built2023
Lot5,998 sqft
Living area2,738 sqft
Price / sqft$170
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

High CeilingsOpen FloorplanStone CountersWalk-in Closet(s)Window TreatmentsHurricane ShuttersRain GuttersClubhouse

5603 Night Owl Ter is a 2023-built home in Silverstone North Ph IC & ID, Palmetto. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,738 square feet of living space. Listed at $465,000 (about $170/sqft), 86 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $124 monthly.

From the listing

ASSUMABLE LOAN AT 5.5% INTEREST RATE! Welcome to this immaculately maintained, just 3-year-old home offering modern style, thoughtful upgrades, and breathtaking lake views. From the moment you arrive, you'll appreciate the charming curb appeal and inviting entry that opens to high ceilings, abundant natural light, and a spacious open-concept floor plan designed for today's lifestyle. Just off the foyer, a generous office provides the perfect space for working from home or a quiet retreat. The beautifully appointed kitchen features granite countertops, ample cabinetry, stainless steel appliances and overlooks the main living and dining areas, making entertaining effortless. A convenient first-floor guest bedroom is located next to a full bathroom featuring an upgraded glass-enclosed shower—ideal for visitors or multigenerational living. Upstairs, you'll find an oversized game room that offers endless possibilities for a media room, playroom, or additional living space, along with three more bedrooms. The spacious primary suite is a true retreat, showcasing stunning views of the expansive lake. The luxurious primary bath features dual vanities, his-and-her sinks, and an extra-large walk-in closet. Step outside to the screened lanai where you can relax and unwind while enjoying spectacular sunsets overlooking the oversized lake. Additional upgrades include updated light fixtures and gutters around the home, adding both style and functionality. This home is also built all-concrete-block construction for both the first and second floors, ensuring durability, storm protection, noise reduction, energy efficiency and better insulation. The community offers outstanding amenities, including a resort-style community pool, clubhouse, tot lot, and dog park, providing something for everyone to enjoy. Conveniently located near medical offices, restaurants, parks, golf courses, shopping, and just minutes from Florida's beautiful Gulf Coast beaches, this home combines quality construction, modern finishes, and an unbeatable location for comfortable everyday living.

The essentials

Built
2023
Price / sqft
$170
On market
86 days
Annual tax
$7,123
HOA
$124/mo
Flood zone
X · Low risk
Lot
5,998 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Water views
Water
Community pool
Shared amenity
2 car garage
5,998 sqft lot
Lot size

Payment

Est. monthly payment
$3,375/mo
Down payment (20%)
$93,000
Property taxes
$594/mo
HOA
$124/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,998 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
86
High Ceilings
Open Floorplan
Stone Counters
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Rain Gutters
Clubhouse
Community Mailbox
Deed Restrictions
Dog Park
Pool
Dryer
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$7,123
Parcel #
716922509

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Silverstone North Ph IC & ID
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
5,998 sqft
HOA
$124/mo
Access Management

Price history

Date
Event
Price
9/21/2026
Price change
Source: Stellar MLS #A4700396
$465,000-2.1%
$170/sqft
7/18/2026
Listed for sale
Source: Stellar MLS #A4700396
$475,000
$173/sqft

Neighborhood

5603 Night Owl Ter
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $465,000
$460,000 – $465,000
98.8% – 100% of listTops out right at the list price
80% of listList price
224 of the last 446 home closings in 34221 landed at this number or higher (50%). The median one sat 46 days before it went under contract, and this one is on day 86 after a $10,000 cut.

Sample: 446 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,375/mo
Principal & interest$2,425
Property taxes$594
Insurance$233
HOA$124
Down payment20% · $93,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$465,000

$170 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,738 sq ft

Time on market

86 days

Year built

2023

Monthly payment

About $3,375/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,123 annual tax bill, insurance, and the $124/mo HOA fee.

HOA fee

$124/mo

Managed by Access Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byLPT REALTY, LLCListing agent: Esmeralda RicoListing data from Stellar MLS, MLS# A4700396.

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