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$585,000

4405 PINFISH LANE, PALMETTO, FL 34221

3D Tour
Active25 days on market

Beds

2

Baths

2

Sq Ft

1,546 sq ft

Year Built

1975

Lot Size

0.25 acres

Garage

1

About This Property

Luxury waterfront living at its best. This fully renovated 2-bedroom, 2-bath home has been transformed with high-end finishes throughout, including rich walnut cabinetry, designer tile, sleek tile flooring, and beautifully updated kitchen and baths. Every detail was selected to create a clean, modern, upscale feel that is truly move-in ready. Step outside and enjoy the Florida lifestyle from your own waterfront property, complete with a private boat lift for easy days on the water. Whether you're entertaining, relaxing at home, or heading out by boat, this property delivers the lifestyle buyers are looking for. 2019 roof and 2018 HVAC. Stylish, turnkey, and exceptionally well finished, 4405 Pinfish Lane is a rare opportunity to own a luxury waterfront home in Palmetto.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6441747
StatusActive
Year Built1975
Total Rooms6
ConstructionConcrete
RoofShingle
FoundationSlab
FacesEast
SubdivisionGULF & BAY ESTATES
CountyManatee
OwnershipFee Simple

Interior Features

InteriorNinguno
FlooringTile
AppliancesRange
LaundryNone
CoolingCentral Air
HeatingElectric
FireplaceYes ()

Exterior & Lot

ExteriorNone
Lot Size0.25 acres (10,999 sq ft)
Road SurfaceOther
0

Waterfront

WaterfrontYes
FeaturesBay/Harbor

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic

Parking

GarageYes (1 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$585,000
Original Price$640,000
Annual Taxes$6,706 (2025)
ZoningRSF1/CH
Parcel #2393200007

Directions

Pinfish

Location

4405 PINFISH LANE, PALMETTO, FL 34221

Listing Information

OfficeLOKATION
ListedSeptember 14, 2026

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Home Price

$585,000

20% ($117,000)
6.75%

Loan Term

Principal & Interest$3,035
Property Tax (est.)$536
Insurance (est.)$150
Total Monthly$3,722
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How to Buy This Home

Multiple financing options available for this $585,000 home in PALMETTO.

🏛️

FHA Loan

$20,475 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

$29,250 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 20, 2026.

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