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$649,000

4411 DOLPHIN LANE, PALMETTO, FL 34221

3D Tour
Active516 days on market

Beds

3

Baths

3

Sq Ft

1,876 sq ft

Year Built

1969

Lot Size

0.31 acres

Garage

2

About This Property

SELLER IS OFFERING A 10,000 CREDIT TO BUYER AT CLOSING TOWARDS CLOSING COSTS Charming Waterfront Cottage with Pool on Snead Island Experience relaxed island living in this delightful 3-bedroom, 3-bathroom waterfront cottage, ideally situated on peaceful Snead Island in Palmetto. Offering 100 feet of tranquil canal frontage with direct access to Tampa Bay, the Gulf of Mexico, the Manatee River, and Terra Ceia Bay, this home is perfect for enjoying the Florida boating lifestyle. Set on an expansive lot extending approximately 134 feet toward the street, the property provides both privacy and ample outdoor space. Inside, the home features a well-appointed kitchen with abundant cabinetry and a cozy eat-in area, ideal for casual dining. The light-filled floor plan includes a spacious, fully enclosed Florida room with its own A/C unit—perfect for entertaining, relaxing, or hobbies. Step outside to the screened-in pool area overlooking the canal, where a resurfaced pool, new pump, and updated screening create a private tropical retreat. Recent upgrades include a new roof with fascia wrap, new gutters and downspouts, new HVAC system, new updated septic system with lift station and drain field, new electrical panel, new water heater, and a new well pump for irrigation. An oversized two-car garage offers generous space for vehicles, storage, or a workshop. Located within the quiet and highly desirable Snead Island community of approximately 300 homes, residents enjoy a laid-back lifestyle with no mandatory HOA. The island features minimal traffic, limited commercial development, and a welcoming atmosphere. Nearby Emerson Point Preserve offers a 500-acre State Park with nature trails, kayaking, wildlife viewing, a community beach, and an observation tower as well as a friendly dog beach with stunning sunset views. Additional highlights include close proximity to downtown Palmetto and Bradenton, with convenient access to St. Petersburg, Sarasota, Tampa, and major highways I-75 and I-275. An adjacent vacant lot at 4417 Dolphin Lane is also available for purchase, presenting a unique opportunity to acquire both properties as a package. Whether you're searching for a serene getaway or a full-time residence, this waterfront Snead Island home combines coastal charm with modern updates in an exceptional location. This home did not Flood during the 2024 storms

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #A4650694
StatusActive
Year Built1969
Total Rooms10
ConstructionConcrete, Stucco, Wood Siding
RoofShingle
FoundationBlock
FacesSouth
SubdivisionGULF & BAY ESTATES UNIT 4 CORR
CountyManatee
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Living Room/Dining Room Combo, Primary Bedroom Main Floor
FlooringTerrazzo, Hardwood
AppliancesDishwasher, Ice Maker, Range, Refrigerator
LaundryIn Garage
CoolingCentral Air
HeatingElectric

Exterior & Lot

ExteriorSliding Doors
Lot Size0.31 acres (13,399 sq ft)
Lot Dimensions134 x 100
Road SurfacePaved
ViewGarden, Trees/Woods, Water

Pool & Spa

Private PoolYes
Pool FeaturesHeated, In Ground, Screen Enclosure

Waterfront

WaterfrontYes
FeaturesCanal - Brackish

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Phone Available, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$649,000
Original Price$789,000
Annual Taxes$7,138 (2024)
FinancingCash, Conventional, FHA, VA Loan
ZoningRSF3/CH
Parcel #2397500006

Directions

From Palmetto, take 10th Street W. WEST. Cross bridge then take a RIGHT on Tarpon Road. Take a LEFT on Dolphin Lane, Home on Left The Vacant Lot next to home is also for sale and owned by same seller. SELLER IS OFFERING A 10,000 CREDIT TO BUYER AT CLOSING TOWARDS CLOSING COSTS

Location

4411 DOLPHIN LANE, PALMETTO, FL 34221

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedApril 30, 2025

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Home Price

$649,000

20% ($129,800)
6.75%

Loan Term

Principal & Interest$3,368
Property Tax (est.)$595
Insurance (est.)$150
Total Monthly$4,112
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How to Buy This Home

Multiple financing options available for this $649,000 home in PALMETTO.

🏛️

FHA Loan

$22,715 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$32,450 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Manatee County SHIP

Varies

Income-qualifying Manatee residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 9, 2026.

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