ActiveOpen House

7905 Charing Cross Way, Palmetto, FL, 34221

$206/sqft·Waterford Ph I-a, II & Ii-a

3 bd2 ba1,647 sqft2 car garageSingle Family
Listed by KELLER WILLIAMS GULF BEACHES· Last updated · MLS# TB8545526

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

Est. monthly payment
$2,364/mo
Down payment (20%)
$67,800
Property taxes
$327/mo
HOA
$100/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2005
2 car garage
7,105 sqft lot
Lot size
1,647 sqft
Living area

Open house

Saturday, Sep 12· 5:00 PM to 7:00 PM

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomWalk-in Closet(s)Private Mailbox

7905 Charing Cross Way is a 2005-built home in Waterford Ph I-a, II & Ii-a, Palmetto. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,647 square feet of living space. Listed at $339,000 (about $206/sqft), 5 days on market. Flood zone X,AE - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $100 monthly.

From the listing

Short Sale. MOVE-IN READY with a NEWER ROOF, NEWER A/C, NEWER kitchen appliances AND a valuable transferable home warranty! Welcome to 7905 Charing Cross Way, a 3-bedroom, 2-bath home offering over 1,600 heated square feet on a desirable corner lot in the Waterford community. Inside, a neutral color palette, tile and carpet flooring, and a comfortable, functional open floor plan make this home easy to move right into. The kitchen features new appliances installed in November 2025, while the indoor laundry room adds everyday convenience. The spacious primary suite features two walk-in closets and a private en-suite bath. An attached two-car garage and oversized driveway provide plenty of parking and additional storage. Tucked away with peaceful conservation and pond views, the home's corner-lot setting offers an added sense of privacy surrounded by nature. Step outside to the screened lanai and enjoy the tranquil backdrop—a perfect spot for morning coffee or unwinding at the end of the day. Several major improvements have already been completed, including a NEWER ROOF installed September 2024 with a 10-year warranty and a NEWER A/C installed January 2024 with a 10-year parts warranty. A partial vinyl fence was installed in January 2025 and includes a 2-year labor warranty and limited lifetime parts warranty. Even more peace of mind comes with a transferable Home Warranty valid through July 14, 2027. Enjoy the community pool located just one street away near the main entrance. HOA dues are only $100 per month, with NO master HOA, NO CDD fees and NO FLOOD INSURANCE required.* Conveniently located near shopping, recreation and exciting new development, Gateway shopping center is approximately one mile away with Publix, restaurants and everyday services, while two golf courses are within approximately two miles. Terra Ceia Preserve State Park is approximately 3.5 miles away, offering miles of natural Florida scenery, trails and kayak access. Adding to the area's growing amenities, a new BayCare healthcare and hospital project is currently underway and scheduled to open in late 2028. Elementary, middle and multiple charter school options are also located within approximately 2 miles. Offered at $339,000. This property is being sold as a short sale and is subject to lender approval. *Buyer/Buyer's Agent to verify flood zone and flood insurance requirements with their lender and insurance provider.

The essentials

Built
2005
Price / sqft
$206
On market
6 days
Annual tax
$3,922
HOA
$100/mo
Flood zone
X,AE · Low risk
Lot
7,105 sqft
Type
Single Family Residence

Location

7905 Charing Cross Way
Palmetto, FL, 34221·34221 - Palmetto/Rubonia
Type
Single Family Residence
Year Built
2005
Lot
7,105 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
6
Ceiling Fans(s)
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Walk-in Closet(s)
Private Mailbox
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer

Elementary

Virgil Mills Elementary

Middle

Buffalo Creek Middle

High

Palmetto High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X,AE

Annual Tax (2025)

$3,922

Parcel #

647136209

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

Waterford Ph I-a, II & Ii-a

County

Manatee

MLS Area

34221 - Palmetto/Rubonia

Lot Size

7,105 sqft

Conservation AreaCorner LotCul-De-Sac
HOA
$100/mo
Judy Morrison
Date
Event
Price
9/5/2026
Listed for sale
Source: Stellar MLS #TB8545526
$339,000
$206/sqft
Est. monthly payment$2,364/mo
Principal & interest$1,768
Property taxes$327
Insurance$170
HOA$100
Down payment20% · $67,800
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.

Offer Insights

Choose an offer strength

List price: $339,000
$335,000 – $339,000
98.8% – 100% of listTops out right at the list price
80% of listList price
175 of the last 349 home closings in 34221 landed at this number or higher (50%). The median one sat 47 days before it went under contract, and this one is on day 6.

Sample: 349 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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