Tropic Isles Co-Op
Homes for Sale in Palmetto, FL
All 447 homes for sale in Palmetto, FL · median $401,060 · 490 homes for sale in 34221 · Manatee County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, Tropic Isles Co-Op in Palmetto, FL has 6 homes for sale and 4 pending, asking from $50,000 to $220,000 (median $110,000). Over the 12 months ending 2026-08-02, 23 recorded sales closed at a median of $180,000, $188 per square foot, a median 73 days on market, sellers accepting 90% of original asking (+3% versus the prior year). Homes listed or recently sold were built 1967 - 2023; 22 of 22 report an HOA (median $338/mo); 9 of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 5 ft). At the median price and Manatee County's FY2025-26 rate of 17.29 mills, annual property tax runs about $3,110 ($2,410 with the full homestead exemption).
Last 30 days in Tropic Isles Co-Op: 1 new listing (median asking $110,000), 4 under contract right now, 1 closed sale (median $282,000). As of October 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Tropic Isles Co-Op
Live MLS inventory for Tropic Isles Co-Op. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 32 daysTop listing
Active · 67 days
Active · 14 days
Active · 179 days
Active · 104 days
Active · 219 days
Pending · 6 days
Pending · 6 days
Pending · 279 days
Pending · 103 daysActive and pending Tropic Isles Co-Op listings as of 2026-10-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Tap any home to ask about it.
Tropic Isles Co-Op right now
🟡 Still climbing. The trailing-12-month median ($180K) is up 2.9% from the prior 12 months ($175K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending August 2. Confidence: High (23 and 21 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 13, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside TROPIC ISLES CO-OP right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Tropic Isles Co-Op market snapshot (as of August 2, 2026): the median sale price is about $180K ($188 per sq ft over the trailing 12 months of closed sales), and a median 73 days on market for closed sales. The trailing-12-month median is up 3% from the prior 12 months, computed from record-level Stellar MLS closed sales (23 closings in the current window).
In ZIP 34221 (Palmetto), 408 homes closed in the last 12 months at a median of $362K ($196/sq ft), down 2.6% year over year, with a median 54 days on market. Right now 2 active listings - a buyer's market. See the live ZIP 34221 housing market and the Manatee County market.
Flood zones in Tropic Isles Co-Op: of 9 listing addresses checked against the FEMA National Flood Hazard Layer, 100% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov.
Tropic Isles Co-Op is a community of 582 homes in Palmetto, Manatee County, built between 1895 and 2023 (median 1986.0), with a median living area of about 1,144 square feet. 40% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Tropic Isles Co-Op. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Tropic Isles Co-OpTropic Isles Co-OpTropic Isles Co-OpTropic Isles Co-OpTropic Isles Co-OpTropic Isles Co-OpTropic Isles Co-OpTropic Isles Co-OpPhotos from Stellar MLS listings in Tropic Isles Co-Op; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($180K) IS the median in the snapshot above, and the move from 2025 ($175K) IS the +2.9% one-year change.
Windows contain 5 to 23 sales each (23 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Deemed reliable but not guaranteed.
Tropic Isles Market Scorecard
Tropic Isles is currently a seller's market. About 2.8 months of supply, a median asking price of $110,000, and homes go under contract in about 86 days.
Typical home value in the 34221 ZIP is $352,196, about 4.4% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Tropic Isles Co-Op on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Manatee County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Manatee County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Tropic Isles Co-Op listings and can change; always confirm with Manatee County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Tropic Isles Co-Op address.
Shop the zone: Homes zoned for Palmetto High High School
Recent Developments in Tropic Isles Co Op
Development, infrastructure, retail, and school activity affecting Tropic Isles Co Op, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Sarasota Memorial to buy 120 acres in Manatee County for possible hospital campus
The Sarasota County Public Hospital Board approved a nearly $60 million purchase of about 120 acres along State Road 64 just east of I-75, contingent on rezoning. A 10-acre parcel would first hold a freestanding emergency department, with physician offices and a possible full hospital later.
What it may mean for the marketA future emergency department and medical campus would add healthcare access for east Manatee County residents. The project is about 12 miles east of Tropic Isles Co Op, elsewhere in Manatee County.
Source: Tampa Bay Business and Wealth - September 2026Development
Carbon dioxide terminal planned at Seaport Manatee for proposed biomethanol plant
Aptamus Carbon Solutions will plan a CO2 terminal and marine transport system at Seaport Manatee tied to Demeter Energy's proposed biomethanol plant. The plant would produce about 100,000 metric tons of biomethanol and capture about 200,000 metric tons of CO2 yearly. Cost and timeline were not disclosed.
What it may mean for the marketPlanned industrial and port activity could add maritime and industrial employment at the port. The site is about 7 miles north of Tropic Isles Co Op.
Source: Tampa Bay Business and Wealth - September 2026Market
Manatee housing authority weighs $112.9 million in bonds for three apartment projects
The Housing Finance Authority of Manatee County considered bonds for 794 units: The Palms at Manatee River (338 units), Tuscany Lakes in Ellenton (348 units) and the unbuilt Flats at 5th, a 108-unit project at 4010 5th Street East in Bradenton, about $22 million.
What it may mean for the marketFinancing for rehabilitation and new construction supports rental inventory in Bradenton and Ellenton. The project is about 5 miles southeast of Tropic Isles Co Op, elsewhere in Manatee County.
Source: Tampa Bay Business and Wealth
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Tropic Isles Co-Op buying strategy.
If we were buying in Tropic Isles Co-Op today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Tropic Isles Co-Op.
A closer look at the Tropic Isles Co-Op market
At a median of $188 per square foot, Tropic Isles Co-Op prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median up 3% year over year. Homes that do trade take a median 73 days on market, useful leverage on any listing that has lingered.
The housing stock is 582 homes built between 1895 and 2023, and 40% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Tropic Isles Co-Op. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Tropic Isles Co-Op buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (4.7). Basis: Recent Direction +2.9% year-over-year; Owner Commitment 40% owner-occupied; Pricing Power 90.0% sale-to-list. Refreshed with each data update.
What it really costs to own in Tropic Isles Co-Op
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $338/month across 650 MLS listings (most billed monthly; 2026-10-13). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Manatee County is $2,019/yr (5,326 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 9 listing addresses checked against the FEMA flood map, 0% sit outside the high-risk zone and 100% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1974 across 22 listings. An original roof here would be about 52 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Ask an agent about Tropic Isles Co-Op
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Tropic Isles Co-Op will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $338/month (about $4,056/yr) · median of 650 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $338 per month ($4,056 a year) - the median AssociationFee across 650 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 9 sampled listing addresses in this community: 100% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=9) · as of 2026-10
Tools for a Tropic Isles Co-Op buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Tropic Isles Co-Op sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Tropic Isles Co-Op, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Tropic Isles Co-Op home worth?
Get a no-obligation home value based on real comparable sales in Tropic Isles Co-Op, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palmetto →
Recently off market in TROPIC ISLES CO-OP
Homes in TROPIC ISLES CO-OP that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 323 Terra Ceia Drive · off market
| Location | Palmetto, Manatee County, FL · ZIP 34221 |
|---|---|
| Homes in the community | 582 (FL DOR 2025 assessment roll) |
| Years built | 1895–2023 (median 1986.0) |
| Typical living area | 1,144 sq ft (median) |
| Home types (current listings and sales) | mobile homes 55%, manufactured homes 45% |
| Amenities listed by sellers | Clubhouse, Fitness Center, Golf Carts OK, Pool, Association Recreation - Owned, Recreation Facilities |
| Sale prices, last 12 months | $180,000 median across 23 closed sales · $188 per sq ft · +2.9% vs the prior 12 months |
| Days on market (closed sales) | 73 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 40% |
| Zoned public schools | Manatee County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “TROPIC ISLES CO-OP key facts,” movewithmomentum.com/neighborhoods/tropic-isles-co-op, data as of August 2, 2026.
Housing distress & ownership in TROPIC ISLES CO-OP, Palmetto
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Tropic Isles Co-Op Homes for Sale: Median $180K
The newest homes for sale in Tropic Isles Co-Op Homes for Sale: Median $180K right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 43 Edessa Drive $110,000 · 2 bd · 2 ba · 814 sq ft · 14 days on market Courtesy of KELLER WILLIAMS ON THE WATER
- 4 Basin Street $220,000 · 1 bd · 1 ba · 481 sq ft · 32 days on market Courtesy of KELLER WILLIAMS ON THE WATER
- 130 Capri Drive $115,000 · 2 bd · 2 ba · 1,008 sq ft · 67 days on market Courtesy of EXP REALTY LLC
- 58 Montego Drive $89,000 · 1 bd · 1 ba · 408 sq ft · 104 days on market Courtesy of KELLER WILLIAMS ON THE WATER
- 80 Del Rio Drive $110,000 · 2 bd · 1.5 ba · 1,536 sq ft · 179 days on market Courtesy of KELLER WILLIAMS ON THE WATER
- 361 Tampico Drive $50,000 · 3 bd · 2 ba · 1,152 sq ft · 219 days on market Courtesy of KELLER WILLIAMS ON THE WATER
Checked against the MLS Oct 13, 2026. All new listings in this market.
Every Home for Sale in Tropic Isles Co Op Right Now (10)
All 10 active and pending Tropic Isles Co Op listings with a detail page, newest first, refreshed twice a day from the MLS.
- 298 Bahama Drive · $250,000 · 3 bd / 2 ba · pending · listed Oct 4, 2026 · listed by Keller Williams On The Water
- 43 Edessa Drive · $110,000 · 2 bd / 2 ba · listed Sep 19, 2026 · listed by Keller Williams On The Water
- 130 Capri Drive · $115,000 · 2 bd / 2 ba · listed Sep 6, 2026 · listed by Exp Realty Llc
- 203 Bimini Drive · $247,000 · 2 bd / 2 ba · pending · listed Sep 4, 2026 · listed by Keller Williams On The Water
- 4 Basin Street · $220,000 · 1 bd / 1 ba · listed Aug 9, 2026 · listed by Keller Williams On The Water
- 58 Montego Drive · $89,000 · 1 bd / 1 ba · listed Jul 14, 2026 · listed by Keller Williams On The Water
- 80 Del Rio Drive · $110,000 · 2 bd / 1.5 ba · listed Jul 14, 2026 · listed by Keller Williams On The Water
- 361 Tampico Drive · $50,000 · 3 bd / 2 ba · listed Jul 14, 2026 · listed by Keller Williams On The Water
- 232 Bimini Drive · $185,000 · 2 bd / 2 ba · pending · listed Jul 14, 2026 · listed by Keller Williams On The Water
- 147 Maui Drive · $84,000 · 2 bd / 2 ba · pending · listed Jul 14, 2026 · listed by Keller Williams On The Water
Recently sold in Tropic Isles Co Op
- 323 Terra Ceia Drive · sold $282,000
- 192 Bimini Drive · sold $225,000
- 179 Bimini Drive · sold $75,000
- 108 Bahia Drive · sold $140,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Palmetto home searches
- All homes for sale in Palmetto, FL
- Homes for sale in Manatee County, FL
- Palmetto pool homes for sale
- Palmetto waterfront homes for sale
- Gated communities in Palmetto
- Palmetto golf course homes
- Homes under $300K in Palmetto
- Homes from $300K to $500K in Palmetto
- 4-bedroom homes for sale in Palmetto
- Palmetto home values: what is my house worth?
Frequently Asked Questions
What is the median home price in Tropic Isles Co-Op?
How long do homes in Tropic Isles Co-Op take to sell?
How many homes are in Tropic Isles Co-Op?
What share of Tropic Isles Co-Op is owner-occupied?
When were the homes in Tropic Isles Co-Op built?
Do cash buyers compete in Tropic Isles Co-Op?
What schools serve Tropic Isles Co-Op?
Who is the best real estate agent for Tropic Isles Co-Op?
How do I find a top Palmetto real estate agent who knows Tropic Isles Co-Op?
Can Momentum Realty connect me with an agent for Tropic Isles Co-Op?
Where is Tropic Isles Co-Op, and what county is it in?
Is Tropic Isles Co-Op a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (13 streets, ZIP 34221)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2021 (84 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how TROPIC ISLES CO-OP fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Tropic Isles Co-Op
- Home values · What homes in Tropic Isles Co-Op actually sell for
Nearby Communities
Explore more neighborhoods near Tropic Isles Co-Op with Momentum Realty’s local guides.