Active
$220,000
Est. $1,791/mo

302 40th Street Cir W, Palmetto, FL, 34221

$199/sqft·Melwood Oaks Ph I

3 bd2 ba1,104 sqft1 car garageVilla
Listed by PREFERRED SHORE LLC· Last updated · MLS# A4702013

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Est. monthly payment
$1,791/mo
Down payment (20%)
$44,000
Property taxes
$244/mo
HOA
$290/mo
Rate assumed
6.8% · 30 yr
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At a glance

Villa
Built 1987
Community pool
Shared amenity
1 car garage
4,269 sqft lot
Lot size
1,104 sqft
Living area

About this home

Cathedral Ceiling(s)LightingPrivate EntrancePoolDryerElectric Water HeaterMicrowaveRange

302 40th Street Cir W is a 1987-built home in Melwood Oaks Ph I, Palmetto. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,104 square feet of living space. Listed at $220,000 (about $199/sqft), 13 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $290 monthly.

From the listing

Virtually Staged. Move-in ready and packed with upgrades, this 2 bedroom, 2 bath villa with a loft delivers incredible value. Kitchen and Baths have been updated. Enjoy brand-new laminate flooring, new carpet, and a bright corner-unit layout with your own one-car garage. Tucked away on a quiet dead-end street, you get privacy and peace with no through-traffic. Comes partially furnished. Major expenses have already been handled: the HOA has replaced the roof on this home, is replacing roofs throughout the neighborhood, and will soon repaint all exterior buildings — all for just $290/month. That means fewer surprises and more long-term savings. Perfect for anyone working in St. Pete, this location offers an easy commute while giving you a comfortable, low-maintenance place to come home to.

The essentials

Built
1987
Price / sqft
$199
On market
38 days
Annual tax
$2,924
HOA
$290/mo
Flood zone
X · Low risk
Lot
4,269 sqft
Type
Villa

Location

302 40th Street Cir W
Palmetto, FL, 34221·34221 - Palmetto/Rubonia
Type
Villa
Year Built
1987
Lot
4,269 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
38
Cathedral Ceiling(s)
Lighting
Private Entrance
Pool
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Flood Zone X

Annual Tax (2025)

$2,924

Parcel #

2380710505

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

Melwood Oaks Ph I

County

Manatee

MLS Area

34221 - Palmetto/Rubonia

Lot Size

4,269 sqft

HOA
$290/mo
James
Date
Event
Price
8/4/2026
Listed for sale
Source: Stellar MLS #A4702013
$220,000
$199/sqft
Est. monthly payment$1,791/mo
Principal & interest$1,147
Property taxes$244
Insurance$110
HOA$290
Down payment20% · $44,000
Interest rate6.80%
Loan term

Not sure what you can afford?

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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.

Offer Insights

Choose an offer strength

List price: $220,000
$220,000
99.5% – 100% of listTops out right at the list price
80% of listList price
20 of the last 36 townhouse or villa closings in 34221 landed at this number or higher (56%). The median one sat 49 days before it went under contract, and this one is on day 38.

Sample: 36 closed townhouse or villa sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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