2604 89th Street Cir E, photo 1
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Overview

4 bd2 ba1,627 sqft2 car garageSingle Family
TypeSingle Family
HOA$326.42/qtr
Built2024
Lot4,809 sqft
Living area1,627 sqft
Price / sqft$224
Garage2 car

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

About this home

Ceiling Fans(s)Open FloorplanWalk-in Closet(s)SidewalkPoolDryerMicrowaveRange

2604 89th Street Cir E is a 2024-built home in Heron Bay, Palmetto. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,627 square feet of living space. Listed at $365,000 (about $224/sqft), 18 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $326.42 quarterly.

From the listing

Welcome to easy Florida living in the desirable Heron Bay community! Built in 2024, this beautifully designed 4-bedroom, 2-bath home is offered FULLY FURNISHED, providing incredible convenience for buyers looking for a truly move-in-ready opportunity. Simply bring your belongings and settle in! Inside, vaulted ceilings and upgraded luxury vinyl plank flooring complement the bright, open layout. Three secondary bedrooms are located toward the front of the home, while the private primary suite is tucked away at the rear. The kitchen overlooks the spacious great room and features 36-inch grey cabinetry with crown molding, quartz countertops, a large pantry, stainless-steel Whirlpool® appliances, and a center island with breakfast bar, perfect for everyday living and entertaining. The primary suite features an oversized walk-in closet and ensuite bath with dual sinks, quartz countertops, and a tiled walk-in shower with built-in seat. A dedicated laundry room adds convenience, while the covered rear patio provides a great space to relax and enjoy the Florida lifestyle. Designed with efficiency in mind, the home features ENERGY STAR® qualified windows and a Sunrun leased solar system, originally estimated to produce approximately 10,361 kWh annually. Solar lease to be assumed by buyer, with full lease and transfer details available. Heron Bay residents enjoy a community pool with covered seating and recreational areas. Quick access to I-75 and I-275 makes travel to Tampa, St. Petersburg, Sarasota, and the Gulf beaches convenient, with shopping, dining, parks, and everyday essentials just minutes away. FULLY FURNISHED, energy efficient, and move-in ready, this home makes enjoying Florida living easy from day one!

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The essentials

Built
2024
Price / sqft
$224
On market
18 days
Annual tax
$4,066
HOA
$326.42/qtr
Flood zone
X · Low risk
Lot
4,809 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Community pool
Shared amenity
2 car garage
4,809 sqft lot
Lot size
1,627 sqft
Living area

Payment

Est. monthly payment
$2,534/mo
Down payment (20%)
$73,000
Property taxes
$339/mo
HOA
$326.42/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
4,809 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
18
Ceiling Fans(s)
Open Floorplan
Walk-in Closet(s)
Sidewalk
Pool
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$4,066
Parcel #
631602109

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
Heron Bay
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
4,809 sqft
HOA
$326.42/qtr
Ken Perrault

Price history

Date
Event
Price
9/23/2026
Listed for sale
Source: Stellar MLS #TB8551539
$365,000
$224/sqft

Neighborhood

2604 89th Street Cir E
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $365,000
$360,000 – $365,000
98.8% – 100% of listTops out right at the list price
80% of listList price
223 of the last 445 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 18.

Sample: 445 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
$2,534/mo
Principal & interest$1,904
Property taxes$339
Insurance$183
HOA$109
Down payment20% · $73,000
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 is the fee 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

$365,000

$224 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,627 sq ft

Time on market

18 days

Year built

2024

Monthly payment

About $2,534/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,066 annual tax bill, insurance, and the $326.42/qtr HOA fee.

HOA fee

$326.42/qtr

Managed by Ken Perrault.

Flood zone

Zone X

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

Offer

What should I offer?

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Brokered byLPT REALTY, LLCListing agent: Jeremy BurgosListing data from Stellar MLS, MLS# TB8551539.

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