4512 28TH AVENUE E, PALMETTO, FL, 34221
Active47 days on marketListed Sep 21, 2026MLS #A4706730
About this home
4512 28TH AVENUE E
Virtually Staged. Ask about the current promotion details for a 1-0 temporary RATE BUY-DOWN from the preferred lender at no additional cost! Welcome home to this naturally bright and airy 3-bedroom, 2-bath single-family pool home in the desirable Sugar Mill Lakes community. Situated on a spacious lot with excellent curb appeal and a vinyl privacy fence, this home is designed for comfortable Florida living inside and out. Step inside to an inviting great-room floor plan custom built by Geartz construction, featuring soaring ceilings that create a bright, open feel. The spacious kitchen offers a tubular solar skylight on your vaulted ceiling, allowing the natural light to pour in. The large island with high-top bar seating provides the perfect gathering spot for casual meals and entertaining. The generous dining area offers plenty of room for family dinners and special occasions. The primary suite is a relaxing retreat with a tray ceiling, a large walk-in closet, and a spacious en-suite bathroom featuring a walk-in shower. Two additional bedrooms and a full guest bathroom provide flexibility for family, guests, a home office, or hobby space. All 3 bedrooms and both bathrooms have just been freshly painted (September 2026). Outside, enjoy your own private backyard oasis with a newer heated saltwater pool and spa, all surrounded by a vinyl privacy fence and huge grassy area—perfect for relaxing, entertaining, and enjoying Florida’s year-round sunshine. Sugar Mill Lakes offers a neighborhood playground, tennis and basketball courts, low HOA fees, and no CDD fee. The community is centrally located with convenient access to Manatee Memorial Hospital, boating and waterfront activities along the Manatee River with access toward Tampa Bay, as well as downtown Bradenton’s Riverwalk area with restaurants, entertainment, and nightlife. Ready for immediate occupancy, this home offers the space, location, amenities, and Florida lifestyle you’ve been looking for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,417
Sqft
0.2 ac
Lot size
2
Garage
2011
Year built
One
Levels
$300
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.
$3,571 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,571/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+8.8%
$/sqft vs Palmetto actives
$300 vs $200
Days on market
47 vs 73 typical
Where $300/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 West Ellenton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
West Ellenton — neighborhood snapshot
Population
11,596
Median age
42
Median income
$64,584
Median home value
$212,982
Avg household
3
Households w/ children
929
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
$375K → $390K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
256 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 16% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4512 28TH AVENUE E
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$387,600
4560 29TH AVENUE CIRCLE E · same community
3 bd · 2 ba · 1,423 sqft · $272/sqft · 4 DOM
Sold · Mar ’26$435,000
4444 29TH AVENUE CIRCLE E · same community
3 bd · 2 ba · 1,556 sqft · $280/sqft · 130 DOM
Sold · Dec ’25$320,000
3105 46TH STREET E · same community
3 bd · 2 ba · 1,578 sqft · $203/sqft · 314 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4512 28TH AVENUE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4512 28TH AVENUE E — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4512 28TH AVENUE E FAQs
What would the monthly payment be for 4512 28TH AVENUE E?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,571/mo — principal and interest, the actual property-tax bill, the $87/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 4512 28TH AVENUE E?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4512 28TH AVENUE E?+
The most recent tax bill on record (2025) was $2,624. 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 4512 28TH AVENUE E?+
The listing reports pets: Cats OK, Dogs OK, 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 $425,000, this home is listed about 7% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 4512 28TH AVENUE E?+
James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RADINKA INTERNATIONAL RLTY LLC · Radinka Ilsink. MLS #A4706730.
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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