512 PALM AVENUE, Ellenton, FL, 34222 | $675,000

Affordable waterfront living is no longer out of reach. Welcome to your slice of Florida paradise on a saltwater canal with direct access to the Manatee River, where boating, waterfront dining, and sunset cruises become part of everyday life.

Tucked away on a quiet dead-end street, this beautifully renovated home offers the perfect blend of comfort, convenience, and coastal living. Launch from your private dock with electric lift and cruise to your favorite waterfront restaurants, spend the afternoon at a nearby sandbar, or enjoy a day on the water with Anna Maria Island and Florida's Gulf beaches accessible in 30 minutes or less by boat.

Designed for easy everyday living, the majority of the home's living space is situated on the main floor, including the living room, kitchen, primary suite, and two additional bedrooms. Upstairs, a flexible bonus space offers endless possibilities as a fourth bedroom, home office, media room, or guest retreat. An additional flex room off the garage entry provides even more versatility to fit your lifestyle.

Extensively renovated with over $100, 000 in upgrades, this home is truly move-in ready. The stunning renovation includes a completely remodeled kitchen featuring new cabinetry, sink, faucet, garbage disposal, refrigerator, range, microwave, dishwasher, and beautiful quartz countertops. Quartz surfaces continue throughout both bathrooms, complemented by new vanities, new tile flooring, and updated fixtures. Additional improvements include new interior doors throughout the living space and brand-new luxury vinyl plank flooring throughout the entire main level.

Major updates provide exceptional peace of mind, including ALL NEW HURRICANE-IMPACT WINDOWS, a new metal roof (2024), hot water heater (2024), mini-split system for the upstairs flex space (2024), 250-amp electrical panel, garage door opener, blinds, and window treatments. The back porch was newly screened in 2025, creating the perfect place to relax and enjoy the waterfront setting. The fenced backyard offers privacy and space for pets, entertaining, or simply soaking in the Florida sunshine.

Step outside and embrace the waterfront lifestyle. The private dock with electric lift makes getting on the water effortless, whether you're heading out for a morning fishing trip, meeting friends at a waterfront restaurant, or spending the day exploring the Manatee River and surrounding waterways.

Ideally located near Ellenton Premium Outlets, local shopping, dining, and popular waterfront restaurants, with quick access to I-75, I-275, and the Sunshine Skyway Bridge for an easy commute to St. Petersburg, Tampa, Sarasota, and beyond.

Whether you're searching for a primary residence, seasonal retreat, or waterfront escape, this exceptional property delivers something many buyers believe no longer exists - affordable waterfront living with direct boating access, major updates already completed, and the true Florida lifestyle right outside your back door.

Features

  • Rooms: 6
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 80 x 110
  • Laundry: Laundry Room, Outside
  • Style: Florida
  • Year Built: 1963
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air, Mini-Split Unit(s)
  • Approx Sq. Feet: 1,572
  • Acreage: 0.2
  • Lot Size: 80 x 110
  • Est. Taxes: $3,100
  • View: Water
  • Water Front: Yes
  • Elem. School: James Tillman Elementary
  • Middle School: Lincoln Middle
  • High School: Palmetto High
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
  • MLS#: A4698126
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/A4698126/512palmavenue_ellenton_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 7/1/2026 5:04:08 PM)
Listing courtesy of LPT Realty   Phone: 877-366-2213

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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512 PALM AVENUE, Ellenton, FL, 34222

$675,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $540,000 $540,000 $540,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.640% 5.972%
Monthly Tax Payment $258 $258 $258
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,281 $3,410 $4,484
Total Monthly Payment $3,631 $3,760 $4,834

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.