192 BIMINI DRIVE, Palmetto, FL, 34221 | $230,000

Adorable waterfront retreat with a modern coastal flair in the highly desirable Tropic Isles Co-op! This beautifully maintained mobile home offers an open-concept floor plan with split bedrooms, creating the perfect balance of comfort, privacy, and functionality. The spacious kitchen flows seamlessly into the dining area and inviting living room, while the versatile bonus room provides the perfect space for a home office, hobby room, media room, or cozy den. Designed for effortless indoor-outdoor living, the enclosed lanai overlooks a peaceful canal where you can watch fish jumping, boats cruising by, and breathtaking western sunsets. Step outside to the gorgeous paver patio—an ideal setting for entertaining family and friends or simply relaxing by the water. Boaters will appreciate the private dock w/10, 000 lbs Hy-tide boat lift, installed in 2021, providing direct access to Terra Ceia Bay and the Gulf with no bridges to navigate. Every inch of this property has been thoughtfully utilized and meticulously maintained. Recent improvements provide exceptional peace of mind, including a membrane roof (2020), water supply repipe (2020), drain repipe (2021), water heater (2020), luxury vinyl flooring throughout, main bathroom was re done (2021) second bathroom (2026) new HVAC system and ductwork (2024), and a new vapor barrier (2025). An additional driveway provides convenient parking for guests or multiple vehicles.
Located in Tropic Isles Co-op, a resident-owned waterfront community with 2. 5 miles of shoreline along beautiful Terra Ceia Bay, residents enjoy an exceptional coastal lifestyle with outstanding amenities, including a marina, boat launch, bait shop, heated pool and spa, shuffleboard courts, two meeting halls, an auditorium featuring a full stage and commercial kitchen, and a kayak launch. The community's western-facing waterfront offers spectacular sunsets that are second to none. Whether you're looking for a year-round residence, seasonal escape, or waterfront retirement destination, this home delivers the very best of Florida living. Come experience the Tropic Isles lifestyle and own your piece of the Sun Coast! (Certain furnishings and personal property do not convey with the sale, detailed list of excluded items will be provided upon request. )

Features

  • Amenities: Clubhouse, Fitness Center, Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub
  • Rooms: 8
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Closet, Washer Hookup
  • Year Built: 1968
  • Garage: Covered, Driveway, Guest, Off Street, Parking Pad, Tandem
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,006
  • Acreage: 0.08
  • Est. Taxes: $805
  • HOA Fee: $372 Monthly
  • Lot Desc: FloodZone, Near Marina
  • View: Water
  • Adult Communities: Yes
  • Water Front: Yes
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit, Yes
  • Appliances: Electric Water Heater, Range, Refrigerator
  • MLS#: A4699816
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/A4699816/192biminidrive_palmetto_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 7/18/2026 5:37:06 AM)
Listing courtesy of KELLER WILLIAMS ON THE WATER   Phone: 941-729-7400

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NMLS Mortgage Loan Originator ID 16953

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192 BIMINI DRIVE, Palmetto, FL, 34221

$230,000

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 $184,000 $184,000 $184,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.358% 6.640% 5.952%
Monthly Tax Payment $67 $67 $67
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,102 $1,162 $1,528
Total Monthly Payment $1,244 $1,304 $1,670

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.