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Overview

3 bd2 ba1,417 sqft2 car garageSingle Family
TypeSingle Family
HOA$260/qtr
Built2011
Lot8,803 sqft
Living area1,417 sqft
Price / sqft$300
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSplit Bedroom

4512 28th Ave E is a 2011-built home in Sugar MILL Lakes Ph II & III, Palmetto. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,417 square feet of living space. Listed at $425,000 (about $300/sqft), 20 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $260 quarterly.

From the listing

Virtually Staged. 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.

The essentials

Built
2011
Price / sqft
$300
On market
20 days
Annual tax
$2,624
HOA
$260/qtr
Flood zone
X · Low risk
Lot
8,803 sqft
Type
Single Family Residence

At a glance

Single family
Built 2011
Private pool
Heated
2 car garage
Driveway
8,803 sqft lot
Lot size
1,417 sqft
Living area

Payment

Est. monthly payment
$2,735/mo
Down payment (20%)
$85,000
Property taxes
$219/mo
HOA
$260/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2011
Lot
8,803 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Pool
Auto Cleaner, Deck, Heated, In Ground, Lighting, Salt Water, Screen Enclosure
Days on Market
20
Cathedral Ceiling(s)
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Thermostat
Tray Ceiling(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Mailbox
Private Yard
Deed Restrictions
Park
Playground
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
James Tillman Elementary
Middle
Lincoln Middle
High
Palmetto High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,624
Parcel #
747511059

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Sugar MILL Lakes Ph II & III
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
8,803 sqft
SidewalkPaved
HOA
$260/qtr
CAMS

Price history

Date
Event
Price
9/21/2026
Listed for sale
Source: Stellar MLS #A4706730
$425,000
$300/sqft

Neighborhood

4512 28th Ave E
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $425,000
$420,000 – $425,000
98.8% – 100% of listTops out right at the list price
80% of listList price
223 of the last 445 home closings in 34221 landed at this number or higher (50%). The median one sat 46 days before it went under contract, and this one is on day 20.

Sample: 445 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,734/mo
Principal & interest$2,217
Property taxes$219
Insurance$213
HOA$87
Down payment20% · $85,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$425,000

$300 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,417 sq ft

Time on market

20 days

Year built

2011

Monthly payment

About $2,735/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,624 annual tax bill, insurance, and the $260/qtr HOA fee.

HOA fee

$260/qtr

Managed by CAMS.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byRADINKA INTERNATIONAL RLTY LLCListing agent: Radinka IlsinkListing data from Stellar MLS, MLS# A4706730.

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