4405 PINFISH LANE, PALMETTO, FL, 34221
Active6 days on marketListed Sep 14, 2026MLS #O6441747
About this home
4405 PINFISH LANE
Luxury waterfront living at its best. This fully renovated 2-bedroom, 2-bath home has been transformed with high-end finishes throughout, including rich walnut cabinetry, designer tile, sleek tile flooring, and beautifully updated kitchen and baths. Every detail was selected to create a clean, modern, upscale feel that is truly move-in ready. Step outside and enjoy the Florida lifestyle from your own waterfront property, complete with a private boat lift for easy days on the water. Whether you're entertaining, relaxing at home, or heading out by boat, this property delivers the lifestyle buyers are looking for. 2019 roof and 2018 HVAC. Stylish, turnkey, and exceptionally well finished, 4405 Pinfish Lane is a rare opportunity to own a luxury waterfront home in Palmetto.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,546
Sqft
0.25 ac
Lot size
1
Garage
1975
Year built
One
Levels
$414
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.
$4,412 /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
$4,412/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
+37.5%
$/sqft vs Palmetto actives
$414 vs $204
Days on market
6 vs 61 typical
Where $414/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
97.2%
Sale-to-list ratio (12 mo)
238 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 74% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4405 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 · Jul ’26$1,034,148
4506 17TH STREET W · same community
3 bd · 3 ba · 2,777 sqft · $372/sqft · 343 DOM
Sold · Jun ’26$335,000
719 32ND AVENUE W
3 bd · 2 ba · 1,572 sqft · $213/sqft · 243 DOM
Sold · Mar ’26$321,500
1015 24TH AVENUE W
3 bd · 2 ba · 1,486 sqft · $216/sqft · 149 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4405 PINFISH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4405 PINFISH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4405 PINFISH LANE FAQs
What would the monthly payment be for 4405 PINFISH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,412/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 4405 PINFISH LANE?+
The most recent tax bill on record (2025) was $6,706. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palmetto?+
At $640,000, this home is listed about 62% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4405 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
$640,000 runs 74% 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.
03Fresh on the market
Only 6 days on market in a Palmetto market that averages 61 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LOKATION · Daniel Rusu. MLS #O6441747.
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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