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4.75% ASSUMABLE LOAN | SAVE $550/MONTH! Secure 2021 rates in 2026. This 3-bedroom, 2-bath home offers an unmatched opportunity with a fully assumable mortgage at 4.75%. Optimized for low-cost ownership, the property features a brand-new 2024 architectural roof, new hurricane-impact windows and doors, and a newer A/C system. The fully-owned solar system slashes monthly electric bills. The interior boasts 1,576 sq. ft. of efficient living space with vaulted ceilings, an open split-floor plan, and remodeled bathrooms. Outside, enjoy a private, vinyl-fenced 0.35-acre lot with a storage shed and no CDD fees. Located minutes from Snead Island boat ramps, I-275, and Gulf beaches.
| DAYS ON MARKET | 2 | LAST UPDATED | 1/22/2026 |
|---|---|---|---|
| TRACT | PALM LAKE ESTATES | YEAR BUILT | 2005 |
| COMMUNITY | 34221 - Palmetto/Rubonia | GARAGE SPACES | 2.0 |
| COUNTY | Manatee | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Palmetto Elementary-MN |
|---|---|
| Jr. High School | Lincoln Middle |
| High School | Palmetto High |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| APPLIANCES | Dishwasher, Microwave, Range, Refrigerator |
| AREA | 34221 - Palmetto/Rubonia |
| CONSTRUCTION | Block, Stucco |
| EXTERIOR | Lighting, Storage |
| GARAGE | Yes |
| HEAT | Central |
| HOA DUES | 500 |
| INTERIOR | High Ceilings, Open Floorplan |
| LOT | 0.35 acre(s) |
| LOT DESCRIPTION | Level, Paved |
| PARKING | Driveway, Garage Door Opener, Attached |
| SEWER | Public Sewer |
| STORIES | 1 |
| STYLE | Florida |
| SUBDIVISION | PALM LAKE ESTATES |
| TAXES | 5784 |
| WATER | Public |
MORTGAGE CALCULATOR
TOTAL MONTHLY PAYMENT
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Listing provided by Stephen Smith, Jr., EMERALD REALTY TRUE PARTNERS, 941-740-5411
The information contained herein has been provided by My Florida Regional MLS DBA Stellar MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Listings last updated 1/24/26 1:06 AM PST.
This IDX solution is (c) Diverse Solutions 2026.