4412 DOLPHIN LANE, PALMETTO, FL, 34221
Active295 days on marketListed Oct 8, 2025MLS #A4667535
About this home
4412 DOLPHIN LANE
Virtually Staged. Welcome to this beautifully renovated canal-front 2-bedroom, 2-bath home located in Gulf & Bay Estates on Snead Island, a quaint and peaceful waterfront community. This exceptional property offers direct access to Terra Ceia Bay, Tampa Bay, and the Gulf of Mexico, making it perfect for boating with dock and 10k lift and enjoying the coastal lifestyle. Every aspect of this home has been meticulously renovated, featuring new impact windows and front door, along with a new septic system and drain field. The Florida room has been completely rebuilt, showcasing Icynene foam insulation in the roof and walls, a new mini-split A/C, new hardie board, and a new flat roof. Interior upgrades include a brand-new kitchen with quartz countertops, modern cabinetry, and stainless appliances, complemented by two fully remodeled bathrooms. Additional upgrades include new electrical, solid-core doors and trim, new porcelain plank tile flooring throughout, and fresh interior and exterior paint. The exterior highlights include fresh landscaping, and a rebuilt dock, while the garage is enhanced with a durable epoxy floor system. The spacious backyard offers ample room for a pool, allowing you to create your own private retreat. Just minutes away is the Bradenton Yacht Club, and Emerson Point Preserve offers a scenic network of hiking and kayak trails where you can experience over 200 species of birds and a wide variety of Florida’s coastal wildlife and natural habitats. With convenient access to St. Pete, Tampa, and Sarasota for world-class dining, shopping, sports, and airports, this home perfectly blends modern luxury, meticulous craftsmanship, and the ultimate waterfront living experience. Annual Homeowners Insurance is $3431; FloodInsurance is $2757 and can be assumed by new owner.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,611
Sqft
0.29 ac
Lot size
1
Garage
1972
Year built
One
Levels
$419
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 and the real association fee — not generic estimates.
$4,393 /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
$4,393/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.
vs edgeAI estimate
+42.2%
$/sqft vs Palmetto actives
$419 vs $205
Days on market
295 vs 55 typical
Where $419/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)
222 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 85% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4412 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 · Jun ’26$335,000
719 32ND AVENUE W
3 bd · 2 ba · 1,572 sqft · $213/sqft · 243 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 4412 DOLPHIN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4412 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
4412 DOLPHIN LANE FAQs
What would the monthly payment be for 4412 DOLPHIN LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,393/mo — principal and interest, the actual property-tax bill, the $2/mo association fee 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.
How much are the HOA fees at 4412 DOLPHIN LANE?+
The association fee works out to $2 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4412 DOLPHIN LANE?+
The most recent tax bill on record (2024) was $4,024. 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 4412 DOLPHIN LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $675,000, this home is listed about 69% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4412 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
$675,000 runs 85% 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
295 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 $829,000, now $675,000 — a $154K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Lori Skaggs. MLS #A4667535.
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.
Never miss a listing
New Palmetto homes, in your inbox
Like 4412 DOLPHIN LANE but not quite? A daily digest of every new listing in Palmetto — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →