12517 Wharf Ter, Palmetto, FL, 34221
$198/sqft·Palms At Coasterra
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At a glance
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- PALMS AT COASTERRA
- Type
- Modular Home
True monthly carry
- HOA
- ~$79/mo
- CDD bond
- Yes — typically $1,500–$3,500/yr
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
12517 Wharf Ter is a 2026-built home in Palms At Coasterra, Palmetto. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,835 square feet of living space. Listed at $758,999 (about $198/sqft), 21 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $79.24 monthly.
Under Construction. What's Special: 5th Bedroom | 3-Car Garage | Cul-de-Sac Lot. New Construction - November Completion! Welcome to the Sand Key at 12517 Wharf Terrace in Palms at Coasterra! Step through the foyer of this new home to find a dedicated study and formal dining room, leading into the gourmet kitchen featuring a large center island, casual dining area, and views of the expansive great room. A pocket sliding glass door opens to the extended covered lanai, creating seamless indoor-outdoor living. The main-level primary suite offers a private retreat with a spa-inspired en-suite bathroom, walk-in closet with direct laundry room access, and its own pocket sliding door to the lanai. Upstairs, a spacious game room is surrounded by four secondary bedrooms, including two with en-suite bathrooms. A three-car garage provides plenty of room for vehicles, storage, and hobbies. This amenity-rich master-planned community is surrounded by natural beauty and endless ways to enjoy fun, fitness, and connection. Club Coasterra overlooks a 65-acre lake with four pools, cabanas, a workout space, and a lakeside pavilion. Enjoy additional pools, a dog park, a 20-acre lake, and a 160-acre nature park with trails, all near I-75 with access to Sarasota and Tampa. Additional Highlights Include: tray ceiling package, 8' interior doors, laundry sink, outdoor kitchen rough-in, 42" upper kitchen cabinets, 42" upper cabinets at laundry, crown molding in the kitchen, roll out trash can cabinet, quartz countertops, and oak stair treads with painted risers. Photos are for representative purposes only. MLS#TB8536964
The essentials
Location
Elementary
James Tillman Elementary
Middle
Buffalo Creek Middle
High
Palmetto High
Districts can re-zone, so verify directly with the district before relying on these.
Annual Tax (2025)
$0
Parcel #
589927409
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
Palms At Coasterra
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
8,253 sqft
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Property taxes estimated at 1.55% of price a year. 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.
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