4 BASIN STREET, Palmetto, FL, 34221 | $220,000

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!

Features

  • Amenities: Clubhouse, Fitness Center, Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub
  • Rooms: 5
  • Bedrooms: 1
  • Baths: 1 full
  • Laundry: Inside, Laundry Closet
  • Year Built: 2015
  • Garage: On Street
  • Heating: Other
  • Cooling: Mini-Split Unit(s)
  • Approx Sq. Feet: 481
  • Acreage: 0.04
  • Est. Taxes: $3,675
  • HOA Fee: $372 Monthly
  • Lot Desc: Near Marina, Street One Way
  • View: Water
  • Adult Communities: Yes
  • Water Front: Yes
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit, Yes
  • Appliances: Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4701028
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/A4701028/4basinstreet_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 7/27/2026 11:28:57 PM)

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NMLS Mortgage Loan Originator ID 1500191

617.281.4872

Kate.Rockett@raveis.com

Our Executive Mortgage Banker:

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Our Insurance Division:

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4 BASIN STREET, Palmetto, FL, 34221

$220,000

Jessica Schenkel

Sales Associate

William Raveis Real Estate

Phone: 339.206.3302

Jessica.Schenkel@Raveis.com

Kate Rockett

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 617.281.4872

Kate.Rockett@raveis.com

NMLS Mortgage Loan Originator ID 1500191

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $176,000 $176,000 $176,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.760% 6.902% 6.098%
Monthly Tax Payment $306 $306 $306
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,084 $1,142 $1,473
Total Monthly Payment $1,465 $1,523 $1,854

* 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.