2912 91st Street Ct E, Palmetto, FL 34221

Charming Manufactured Home in Palmetto’s Friendly Active Community!

Asking Price: $134,000

Discover an affordable and comfortable lifestyle with this 2-bedroom, 2-bathroom mobile/manufactured home located at 2912 91st Street Ct E, Palmetto, FL 34221. Built in 1980 and offering 1,056 sqft of living space, this home comes with an estimated refinance payment of $1,016/mo, making it an attractive option for those seeking value in a desirable Palmetto community.

Key Features & Community Benefits:

• Affordable Homeownership: Priced at $134,000, this manufactured home offers a significantly lower entry point into the Palmetto real estate market compared to traditional single-family homes. For 2-bedroom mobile homes in the 34221 zip code, recent sales (May 2025) indicate prices ranging from around $49,000 to $290,000, with many in the $100,000-$180,000 range, making this a competitive price point.
• Established Community with Amenities: This property is located within a manufactured home community, which often provides a strong sense of community and access to shared amenities. For instance, Terra Ceia Manor, a 55+ community in Palmetto, offers low HOA fees of $188 monthly that cover water, sewer, trash pickup, lawn care, and access to park amenities like swimming pools and clubhouses. While specific amenities for this community aren’t listed, many manufactured home parks offer similar benefits.
• Low Estimated Refinance Payment: The estimated $1,016/mo refinance payment, combined with the lower purchase price, makes this a very budget-friendly option for homeownership. (It’s important to remember that this estimate likely includes basic property taxes and insurance, but potential HOA/lot fees will also be a recurring cost.)
• Modern Construction (1980): Built in 1980, this manufactured home is relatively newer than many traditional homes from the 1950s or 60s, which can translate to fewer immediate major repairs.
• Palmetto Market Dynamics (34221 Zip Code):
  • Balanced Market: The 34221 zip code is currently considered a “Balanced Market,” meaning supply and demand are relatively even.
  • Negotiation Potential: Homes in 34221 sold for approximately 1.53% below asking price on average in May 2025, suggesting some room for negotiation.
  • Days on Market: Homes in 34221 typically sell after 67 days on the market, providing buyers with a reasonable timeframe for due diligence.
• Property Taxes: Public tax history for this specific address shows property taxes of $1,511 in 2024 and $1,523 in 2023, on assessed values of approximately $94,577. Buyers should verify current tax information.
• HOA/Lot Fee: This home has an HOA fee of $153 monthly, which will contribute to community maintenance and potentially amenities. Buyers should confirm what this fee includes.

Palmetto Location & Lifestyle:

• Coastal Proximity: Palmetto is situated in Manatee County on Florida’s Gulf Coast, offering a relaxed coastal lifestyle.
• Recreational Opportunities: The area around Palmetto and the 34221 zip code offers a wide range of recreational activities:
  • Beaches: Just a short drive to beautiful Gulf beaches like Anna Maria Island and Bradenton Beach for swimming, sunbathing, parasailing, and dolphin tours.
  • Boating & Kayaking: Numerous opportunities for boat cruises, sunset kayak tours through mangrove tunnels, and fishing charters in Sarasota Bay and the Gulf.
  • Parks & Preserves: Nearby natural attractions include Terra Ceia Preserve State Park, Emerson Point Preserve, and Felts Audubon Preserve for hiking, birdwatching, and exploring nature.
  • Golf: Moccasin Wallow Golf Club is a local option for golf enthusiasts.
  • Cultural & Sports: The Bradenton Area Convention Center hosts events, and Andersen Race Park offers a unique recreational experience.
• Convenient Location: Palmetto is conveniently located with easy access to Bradenton and other larger cities, offering additional shopping, dining, and employment opportunities.
• Schools (Manatee County Public Schools): Palmetto offers various public and private school options within the Manatee County Public Schools district.

Important Considerations:

• Manufactured Home Specifics: While offering affordability, manufactured homes can depreciate differently than traditional stick-built homes. Financing options can also differ.
• Flood Zone X (Minimal Risk): According to various sources, this property appears to be in Flood Zone X, indicating a minimal flood risk. This is a positive for insurance costs, as flood insurance is typically not required by lenders in this zone. However, buyers should always independently verify the exact flood zone designation for 2912 91st Street Ct E using the official FEMA Flood Map Service Center (MSC).
• Climate Risks: Palmetto, like much of coastal Florida, faces an extreme wind risk over the next 30 years and a moderate wildfire risk. Buyers should ensure adequate insurance coverage for these potential events. The area also has an extreme heat factor (7 days above 107°F this year).
• Community Rules: Manufactured home communities often have specific rules and regulations (e.g., regarding exterior modifications, pets, noise). Buyers should review these thoroughly before purchasing.

This manufactured home at 2912 91st Street Ct E offers a compelling combination of affordability, community amenities, and a desirable location in Palmetto. It’s an excellent option for those seeking a comfortable and cost-effective homeownership experience in sunny Florida.

Priced at $134,000 – seize this opportunity for affordable living in Palmetto! Schedule your private showing today.