192 BIMINI DRIVE, PALMETTO, FL, 34221
Pending9 days on marketListed Jul 15, 2026MLS #A4699816
About this home
192 BIMINI DRIVE
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.)
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,006
Sqft
0.08 ac
Lot size
1968
Year built
One
Levels
$229
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.
$2,055 /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
$2,055/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
+11.5%
Days on market
9 vs 55 typical
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)
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 192 BIMINI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 192 BIMINI DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
192 BIMINI DRIVE FAQs
What would the monthly payment be for 192 BIMINI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,055/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 192 BIMINI DRIVE?+
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 192 BIMINI DRIVE?+
The most recent tax bill on record (2025) was $805. 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 192 BIMINI DRIVE?+
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 $230,000, this home is listed about 42% below the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 192 BIMINI DRIVE?+
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.
Listing courtesy of KELLER WILLIAMS ON THE WATER · Carmen Garcia Urgelles. MLS #A4699816.
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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