12533 Wharf Ter, Palmetto, FL, 34221
$210/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
- Single Family Residence
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
12533 Wharf Ter is a 2026-built home in Palms At Coasterra, Palmetto. Inside you'll find 4 bedrooms, 5 bathrooms, and 2,921 square feet of living space. Listed at $613,603 (about $210/sqft), 16 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: No Rear Neighbors | Larger Lot | Preserve View | Flex Room | Covered Patio. New Construction - Ready Now! Built by America's Most Trusted Home Builder. Welcome to the Saint Croix at 12533 Wharf Terrace in Palms at Coasterra! This new home offers a spacious and thoughtfully designed layout where the gourmet kitchen with a center island and walk-in pantry opens to the dining area and great room, creating a bright, connected space for everyday living and entertaining. Pocket sliding glass doors extend the living area to the lanai. Privately situated, the primary suite features a walk-in closet and bath with dual sinks, soaking tub, and separate shower. Three secondary bedrooms each include a private bathroom. A flex room, drop zone, laundry room, and three-car garage add comfort, convenience, and versatility. 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 pkg, 8' interior doors, crown molding, and pre-plumb for a laundry sink. Photos are for representative purposes only. MLS#TB8514432
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 #
589927609
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
8,845 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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