$425,000
4512 28TH AVENUE E, PALMETTO, FL 34221
Beds
3
Baths
2
Sq Ft
1,417 sq ft
Year Built
2011
Lot Size
0.20 acres
Garage
2
About This Property
Virtually Staged. Ask about the current promotion details for a 1-0 temporary RATE BUY-DOWN from the preferred lender at no additional cost! Welcome home to this naturally bright and airy 3-bedroom, 2-bath single-family pool home in the desirable Sugar Mill Lakes community. Situated on a spacious lot with excellent curb appeal and a vinyl privacy fence, this home is designed for comfortable Florida living inside and out. Step inside to an inviting great-room floor plan custom built by Geartz construction, featuring soaring ceilings that create a bright, open feel. The spacious kitchen offers a tubular solar skylight on your vaulted ceiling, allowing the natural light to pour in. The large island with high-top bar seating provides the perfect gathering spot for casual meals and entertaining. The generous dining area offers plenty of room for family dinners and special occasions. The primary suite is a relaxing retreat with a tray ceiling, a large walk-in closet, and a spacious en-suite bathroom featuring a walk-in shower. Two additional bedrooms and a full guest bathroom provide flexibility for family, guests, a home office, or hobby space. All 3 bedrooms and both bathrooms have just been freshly painted (September 2026). Outside, enjoy your own private backyard oasis with a newer heated saltwater pool and spa, all surrounded by a vinyl privacy fence and huge grassy area—perfect for relaxing, entertaining, and enjoying Florida’s year-round sunshine. Sugar Mill Lakes offers a neighborhood playground, tennis and basketball courts, low HOA fees, and no CDD fee. The community is centrally located with convenient access to Manatee Memorial Hospital, boating and waterfront activities along the Manatee River with access toward Tampa Bay, as well as downtown Bradenton’s Riverwalk area with restaurants, entertainment, and nightlife. Ready for immediate occupancy, this home offers the space, location, amenities, and Florida lifestyle you’ve been looking for.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From Ellenton-Gillette, turn into Sugar Mill Lakes on 46th St E, left on 29th Ave Cie E, right on 28th Ave E, second home on the right.
Location
4512 28TH AVENUE E, PALMETTO, FL 34221
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$425,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $425,000 home in PALMETTO.
🏛️
FHA Loan
$14,875 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
$21,250 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
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 15, 2026.