7122 87TH LANE E, PALMETTO, FL, 34221
Active52 days on marketListed Jun 1, 2026MLS #TB8514232
About this home
7122 87TH LANE E
No backyard neighbors here, large backyard for Pets or Family to play. Contact Agent for special Owner Cash to Buyer at Closing Incentive. Rarely available 4 Bedroom Pool Home with a premium lot, in the back of very desirable Regency Oaks Subdivision which is a Deed Restricted Community. No CDD's and very low HOA's. Open Floor Plan with Large Living Room Area off of Kitchen which has ample Cabinets for storage. House backs up to a Reserve, with a Fenced Back Yard. Woods, and Wildlife are your views, very private. Enclosed Pool has a large covered deck area for entertaining around the pool. House has a Sprinkler System for Irrigation of the Yard, New high quality roof installed (Dec 2024) by Westfall Roofing. New high efficiency AC installed (Nov 2023) with 10yr warranty parts & labor. Home has Tile Flooring in Kitchen, Dining Room and Baths, Bedrooms and Living Room have Carpet. Regency Oaks offers an established neighborhood setting while placing you close to the growing conveniences of north Manatee County. Enjoy easy access to US 301 and I-75 and to nearby shopping, dining, schools, parks, and golf courses, Ellenton Premium Outlets, and the continued growth coming to the Parrish and Moccasin Wallow corridor including new Hospital being built within 1 mile. Bradenton, Lakewood Ranch, Sarasota, St. Petersburg and Tampa, are all within a short commute. Don't Miss Out.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,593
Sqft
0.24 ac
Lot size
2
Garage
2001
Year built
One
Levels
$251
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,098 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,098/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−2.8%
Days on market
52 vs 55 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Regency Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Regency Oaks — neighborhood snapshot
Population
492
Median age
40
Median income
$144,245
Median home value
$390,000
Avg household
3
Households w/ children
37%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7122 87TH LANE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7122 87TH LANE E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
7122 87TH LANE E FAQs
What would the monthly payment be for 7122 87TH LANE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,098/mo — principal and interest, the actual property-tax bill, the $48/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 7122 87TH LANE E?+
The association fee works out to $48 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7122 87TH LANE E?+
The most recent tax bill on record (2025) was $4,341. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 7122 87TH LANE E?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $399,500, this home is priced right at the Palmetto median.
Which schools are assigned to 7122 87TH LANE E?+
Buffalo Creek Middle School (middle), Barbara A Harvey Elementary School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Strong assigned schools
Buffalo Creek Middle School, Barbara A Harvey Elementary School, Palmetto High School — Barbara A Harvey Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $424,900, now $399,500 — a $25K cut. The full history is in the market section below.
Listing courtesy of YOUR NEIGHBORHOOD REALTY ASSOC · Clay Longstreth. MLS #TB8514232.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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