4 BASIN STREET, PALMETTO, FL, 34221
Active8 days on marketListed Jul 25, 2026MLS #A4701028
About this home
4 BASIN STREET
Your Florida waterfront escape is ready and awaiting at 4 Basin St in Tropic Isles Co-op, a welcoming 55+ community! This fully furnished 1-bedroom, 1-bathroom 2015 Palm Harbor manufactured home sits directly on a protected basin with an assigned shared boat slip and a 10,000 lb boat lift right out front — with open water access out to Terra Ceia Bay, perfect for boating, fishing, or paddling just steps from your door. Thoughtfully elevated construction offers real peace of mind in this waterfront setting, keeping the home raised above typical flood concerns while the space below is concrete under entire unit and over 5' clearance providing fantastic bonus storage. The north-facing patio stays comfortably through Florida's warm afternoons, making it ideal for relaxed entertaining by the water. The home also offers a dedicated shed/office space for hobbies or extra convenience. Tropic Isles offers exceptional value with a low $372 monthly maintenance fee that includes water, trash, recycling, sewer, and park management — plus access to resort-style amenities: a full-service marina, two social gathering/meeting buildings, a temperature-controlled pool, hot tub, fitness room, game rooms, library, shuffleboard courts, and 2.5 miles of scenic waterfront. Move-in ready and fully furnished. Enjoy the easy Florida lifestyle in a friendly, active 55+ waterfront community, close to downtown Palmetto shops and dining. Check out the virtual tour and schedule your private showing today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
481
Sqft
0.04 ac
Lot size
2015
Year built
One
Levels
$457
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.
$2,231 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,231/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.
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
+28%
$/sqft vs TROPIC ISLES CO-OP
$457 vs $124
Days on market
8 vs 55 typical
Where $457/sqft sits among the 6 homes for sale in TROPIC ISLES CO-OP
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 Tropic Isles Mobile Home Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Tropic Isles Mobile Home Estates — neighborhood snapshot
Population
744
Median age
66
Median income
$55,729
Median home value
$250,900
Avg household
2
Households w/ children
47%
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)
2 of 6
TROPIC ISLES CO-OP have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4 BASIN STREET
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$155,000
14 BASIN STREET · same community
1 bd · 1 ba · 480 sqft · $323/sqft · 151 DOM
Sold · Mar ’26$55,000
154 MAUI DRIVE · same community
1 bd · 1 ba · 480 sqft · $115/sqft · 392 DOM
Sold · May ’26$180,000
230 BIMINI DRIVE · same community
2 bd · 2 ba · 540 sqft · $333/sqft · 20 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4 BASIN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 BASIN STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4 BASIN STREET FAQs
What would the monthly payment be for 4 BASIN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,231/mo — principal and interest, the actual property-tax bill, the $372/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 4 BASIN STREET?+
The association fee works out to $372 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4 BASIN STREET?+
The most recent tax bill on record (2025) was $3,675. 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 4 BASIN STREET?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $220,000, this home is listed about 45% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4 BASIN STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ON THE WATER · Carmen Garcia Urgelles. MLS #A4701028.
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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