4505 WINDY HAMMOCK WAY, PALMETTO, FL, 34221
Active1 days on marketListed Aug 18, 2026MLS #A4703298
About this home
4505 WINDY HAMMOCK WAY
Why wait for new construction when this beautifully upgraded, move-in-ready lakefront home delivers the location, lifestyle, and value you want today? Perfectly positioned on one of the desirable waterfront homesites in Willow Walk, this meticulously maintained four-bedroom, two-bath residence combines serene lake views, modern finishes, low HOA dues, and effortless Florida living, with all the major upgrades already completed for you. Built in 2019 and featuring the sought-after Magnolia floor plan, the home welcomes you with a light-filled, open-concept design ideal for both everyday living and entertaining. The stylish kitchen anchors the main living space with crisp white cabinetry, an oversized island with bar seating, quartz countertops, tile backsplash, and stainless steel appliances. New luxury vinyl flooring in the bedrooms adds a fresh, contemporary finish, while tile flooring throughout the main living areas offers both durability and timeless appeal. A wood-look feature wall in the living room introduces warmth, texture, and distinctive character, creating an inviting focal point within the open living space. A thoughtfully designed split-bedroom layout provides privacy, while the spacious primary suite features two walk-in closets and an upgraded tiled walk-in shower. Beyond the interiors, the true centerpiece is the tranquil lakefront setting. Enjoy peaceful water views from your backyard or transform the generous outdoor space into your own private Florida retreat with a custom pool, spa, expanded lanai, and outdoor entertaining area. With the homesite and setting already in place, the possibilities to further personalize this property are exceptional. Willow Walk offers a desirable low-maintenance lifestyle with remarkably low HOA dues, making this an outstanding alternative to new construction without the wait, added upgrade expenses, or unfinished feel. Conveniently located in Palmetto with easy access to I-75, Ellenton Premium Outlets, Downtown Bradenton, dining, shopping, and the celebrated Gulf Coast beaches of Anna Maria Island, this home places the best of Southwest Florida within easy reach. Immaculately maintained, beautifully upgraded, attractively priced, and ready for immediate enjoyment, this lakefront Willow Walk home offers exceptional value with plenty of opportunity to make it distinctly your own.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,004
Sqft
0.15 ac
Lot size
2
Garage
2019
Year built
One
Levels
$195
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.
$2,878 /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
$2,878/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
−0.8%
$/sqft vs Palmetto actives
$195 vs $208
Days on market
1 vs 61 typical
Where $195/sqft sits among the 400 Palmetto actives
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 Willow Walk
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Willow Walk — neighborhood snapshot
Population
2,409
Median age
39
Median income
$88,346
Median home value
$269,861
Avg household
4
Households w/ children
319
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 → $376K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
233 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 4505 WINDY HAMMOCK WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$550,000
3613 MOSSY LIMB COURT · same community
4 bd · 2 ba · 2,068 sqft · $266/sqft · 5 DOM
Sold · Jun ’26$460,000
3827 MOSSY LIMB COURT · same community
4 bd · 2 ba · 2,068 sqft · $222/sqft · 9 DOM
Sold · Apr ’26$365,000
4024 MOSSY LIMB COURT · same community
4 bd · 2 ba · 2,068 sqft · $176/sqft · 150 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Juan Hidalgo
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4505 WINDY HAMMOCK WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4505 WINDY HAMMOCK WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Juan's phone and CRM.
Straight answers
4505 WINDY HAMMOCK WAY FAQs
What would the monthly payment be for 4505 WINDY HAMMOCK WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,878/mo — principal and interest, the actual property-tax bill, the $8/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 4505 WINDY HAMMOCK WAY?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4505 WINDY HAMMOCK WAY?+
The most recent tax bill on record (2025) was $2,912. 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 4505 WINDY HAMMOCK WAY?+
The listing reports pets: 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 $389,900, this home is listed about 1% below the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4505 WINDY HAMMOCK WAY?+
James Tillman Elementary Magnet School (elementary), Lincoln Memorial Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LESLIE WELLS REALTY, INC. · Madison Wells, PLLC. MLS #A4703298.
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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