6204 Horse Mill Pl, Palmetto, FL 34221

Spacious 4BR Home on Oversized Wooded Lot in Old Mill Preserve – Gated Community | Low HOA | No CDD | USDA Eligible | Not in a Flood Zone! Welcome to your private retreat in the highly desirable Old Mill Preserve gated community. This beautifully upgraded 4-bedroom, 2-bathroom home with a 2-car garage is perfectly positioned on an oversized wooded lot, offering added privacy with lush conservation bordering the rear and right side of the property. Best of all, this home qualifies for USDA financing—offering 100% financing with $0 down for eligible buyers—and is located outside of a flood zone, so no flood insurance is required. Inside, you'll find a bright and open floor plan ideal for both everyday living and entertaining. The heart of the home is the spacious kitchen, featuring 42-inch wood cabinetry, granite countertops, a large center island, and a cozy breakfast area with sliding glass doors that lead to a generously sized covered patio—perfect for morning coffee, grilling, or enjoying the peaceful wooded view. The primary suite provides a private escape with a walk-in closet and an elegant ensuite bath complete with dual sinks, a walk-in shower, linen closet, and private water closet. Three additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the benefits of a low HOA, no CDD fees, and a well-maintained gated community that offers both security and convenience. With easy access to I-275 and I-75, you’re just minutes from top-rated schools, shopping, dining, and recreation, and a short drive to Tampa, St. Pete, Sarasota, and Bradenton. Homes with this combination of space, privacy, affordable financing options, and no flood zone concerns are rare. Schedule your private showing today—this one won’t last!