4411 DOLPHIN LANE, PALMETTO, FL, 34221
Active455 days on marketListed Apr 30, 2025MLS #A4650694
About this home
4411 DOLPHIN LANE
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
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,876
Sqft
0.31 ac
Lot size
2
Garage
1969
Year built
One
Levels
$356
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,610 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,610/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palmetto actives
$356 vs $207
Days on market
455 vs 55 typical
Where $356/sqft sits among the 400 Palmetto actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Gulf & Bay Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Gulf & Bay Estates — neighborhood snapshot
Population
440
Median age
66
Median income
$55,729
Median home value
$250,900
Avg household
2
Households w/ children
16%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
213 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4411 DOLPHIN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$625,000
4385 POMPANO LANE · same community
3 bd · 2 ba · 1,992 sqft · $314/sqft · 296 DOM
Sold · Feb ’26$1,060,000
4367 POMPANO LANE · same community
3 bd · 2 ba · 2,207 sqft · $480/sqft · 3 DOM
Sold · May ’26$285,000
908 35TH AVENUE DRIVE W
3 bd · 2 ba · 1,882 sqft · $151/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4411 DOLPHIN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4411 DOLPHIN LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4411 DOLPHIN LANE FAQs
What would the monthly payment be for 4411 DOLPHIN LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,610/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4411 DOLPHIN LANE?+
The most recent tax bill on record (2024) was $7,138. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4411 DOLPHIN LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palmetto?+
At $668,000, this home is listed about 67% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4411 DOLPHIN LANE?+
Palmetto Elementary School (elementary), Palmetto High School (high), Lincoln Memorial Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$668,000 runs 83% above the PALMETTO 34221 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
455 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $789,000, now $668,000 — a $121K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · David Leventhal. MLS #A4650694.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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