4506 PINFISH LANE, PALMETTO, FL, 34221
Active107 days on marketListed Apr 18, 2026MLS #A4690531
About this home
4506 PINFISH LANE
Exceptional waterfront living on coveted Snead Island, where refined coastal design meets effortless boating access just minutes to Terra Ceia Bay and Tampa Bay. Set along a quiet canal with direct access to open water, this beautifully updated 4-bedroom, 3.5-bath residence offers a thoughtfully designed layout with a dedicated office, a media room positioned on its own level for added privacy, and versatile living spaces tailored for both relaxed daily living and sophisticated entertaining. The completely renovated kitchen serves as the centerpiece of the home, featuring custom solid wood cabinetry, Cambria granite countertops, and an AGA range seamlessly integrated into an expansive island. A Bosch dishwasher, premium refrigeration, and thoughtful custom finishes complete this true chef’s kitchen, while 2 1/4-inch oak flooring throughout the first floor adds warmth and timeless character. Framed by soaring ceilings and abundant natural light, the open-concept design flows seamlessly into the main living areas, where architectural detail and curated finishes create a warm yet elevated coastal aesthetic. The first-floor primary suite provides a private retreat, highlighted by a fully renovated, spa-inspired bath and French doors that open to the spacious covered back porch, creating a seamless indoor-outdoor connection. Just off the main living area, a dedicated office with French glass doors overlooks the backyard and canal, offering a quiet and inspiring workspace. Upstairs, three additional bedrooms provide ideal separation for family or guests, including one with a private ensuite bath. Outdoor living is equally inviting, with a heated saltwater pool featuring a new PebbleTec finish and updated equipment, surrounded by generous patio space and tranquil canal views. With direct canal access and quick reach to open water, this home offers a true boating lifestyle paired with thoughtfully updated interiors and a layout designed for both everyday living and entertaining. Ideally located near Emerson Point Preserve, a 365-acre coastal sanctuary of mangroves, wetlands, and natural shoreline, and just moments from the Bradenton Yacht Club, this property is set within Snead Island’s welcoming, close-knit island community known for its boating, fishing, and connection to the surrounding waters.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,226
Sqft
0.25 ac
Lot size
2
Garage
1996
Year built
Two
Levels
$402
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.
$10,822 /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
$10,822/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
$402 vs $205
Days on market
107 vs 57 typical
Where $402/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 → $376K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
219 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 357% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4506 PINFISH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$912,000
4517 PINFISH LANE · same community
3 bd · 3 ba · 2,306 sqft · $395/sqft · 3 DOM
Sold · Jul ’26$642,500
4361 POMPANO LANE · same community
4 bd · 2 ba · 1,941 sqft · $331/sqft · 362 DOM
Sold · May ’26$1,300,000
7101 16TH AVENUE NW
3 bd · 4 ba · 3,681 sqft · $353/sqft · 30 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 4506 PINFISH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4506 PINFISH 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
4506 PINFISH LANE FAQs
What would the monthly payment be for 4506 PINFISH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,822/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 4506 PINFISH 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 4506 PINFISH LANE?+
The most recent tax bill on record (2025) was $10,268. 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 4506 PINFISH 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 $1,699,000, this home is listed about 330% above the Palmetto median of $395,159. The market section on this page shows how the area is trending.
Which schools are assigned to 4506 PINFISH 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
Three things that matter here
01Positioned at the premium end
$1,699,000 runs 357% above the PALMETTO 34221 median — but at 4,226 sqft it's also nearly twice the size of the typical Palmetto listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $1,799,000, now $1,699,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Susan Katanic. MLS #A4690531.
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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