PALMETTO, FL
Stellar MLS

$375,000

Palmetto, FL 34221

Listing updated: June 11, 2026 at 6:53 AM ET

Active
4
Beds
4
Baths
2,604
Sq Ft
0.05
Acres
2005
Built
Water viewWater accessIn-law suite$144/sqft360° tour
Townhouse

Property type

2005

Year built

2,003 sqft

Lot size

$144

Price / sq ft

$426/mo

HOA dues

1

Day on market

2

Garage spaces

AE

Flood zone

About this home

WATERFRONT LIVING WITH A PRIVATE ELEVATOR, DEEDED BOAT SLIP, AND ENDLESS POTENTIAL! Welcome to 3206 10th Lane W in Palmetto, where boating enthusiasts, seasonal residents, and full-time homeowners alike will appreciate the rare combination of space, location, and opportunity. Offering over 2,600 square feet, 4 bedrooms, 3.5 bathrooms, a private elevator, and deeded access to your own boat slip, complete with a brand new 20,000-pound lift, this residence is a blank canvas ready for your personal vision. As an added bonus, the seller is offering a $20,000 credit at closing, providing the perfect opportunity to customize finishes, updates, and design elements to make this home uniquely yours. The versatile first level features a spacious bedroom with an ensuite bathroom, creating the ideal setup for a private guest suite, multigenerational living arrangement, second primary bedroom, home office, or bonus retreat. Ride your private elevator or take the stairs to the main living level, where the heart of the home unfolds. The open-concept living and dining spaces are enhanced by peaceful preserve views, creating a private and tranquil backdrop. A charming bump-out off the family room offers the perfect space for a home office, reading nook, or creative workspace. The kitchen features granite countertops, wood cabinetry, generous prep space, and an additional gathering area perfect for entertaining family and friends. A convenient half bath completes the level. The upper floor offers three additional bedrooms, including the primary suite, which enjoys northwest-facing views of Florida's lush natural landscape and colorful sunset skies. The remaining two bedrooms share a full bathroom, and a conveniently located laundry room provides everyday comfort and functionality. Outside, enjoy unobstructed preserve views with no rear neighbors, creating a sense of privacy rarely found in townhome living. For boaters, the real highlight awaits at your gated dock, where your deeded slip and new 20,000-pound lift provide direct access to the Intracoastal Waterway, Tampa Bay, and the Gulf of America for endless days on the water. Perfectly positioned near the shores of Snead Island, this exceptional location places you at the gateway to Florida's Gulf Coast lifestyle. Enjoy easy access to downtown Bradenton, downtown Sarasota, St. Petersburg, and Tampa, offering endless options for waterfront dining, arts, entertainment, shopping, and professional sports. Multiple airports, including Sarasota-Bradenton International Airport and Tampa International Airport, make travel effortless for both full-time and seasonal residents. Whether you're heading to the beaches of Anna Maria Island, exploring the vibrant Riverwalk districts, spending the day boating on the Intracoastal Waterway, or enjoying a weekend in St. Pete or Tampa, you'll appreciate the convenience of being centrally located to some of the region's most desirable destinations. Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, 3206 10th Lane W delivers the rare chance to create your dream waterfront lifestyle while building equity through your own personal touches.

Estimated monthly payment

Principal & interest$1,896
Property taxes$545
Home insurance (est.)$172
HOA dues$426

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history1 days on market

  1. Status: Active
    Jun 10, 2026
  2. Listed$375,000
    Jun 10, 2026
  3. Price increased$375,000

Facts & features

Property type
Residential
Sub type
Townhouse
Status
Active
Days on market
1
Subdivision
Riverbay Townhomes At Terra Ciera Bay
County
Manatee
Year built
2005
Living area
2,604 sq ft
Price/sq ft
$144
Building area
3,408 sq ft (Public Records)
Lot size
2,003 sq ft
Lot category
0 to less than 1/4
Flood zone
AE
Garage
2 spaces
Annual taxes
$6,535 (2025)
Parcel #
2959116059
Zoning
PDH
MLS #
A4696631

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Interior Details

Bedrooms
4
Full bathrooms
3
Half bathrooms
1
Flooring
Carpet, Ceramic Tile
Appliances
Dishwasher, Disposal, Electric Water Heater, Other, Range, Refrigerator
Interior features
Central Vaccum, Crown Molding, Elevator, High Ceilings, Solid Surface Counters, Stone Counters, Walk-In Closet(s)
Laundry
Inside
Stories / Levels
Three Or More
Direction faces
Southeast
In-law suite
Yes

Heating & Cooling

Heating
Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Garage Door Opener, Guest

HOA & Financial

HOA fee
$426 / Monthly
Monthly HOA
$426/mo
Total monthly fees
$426/mo
Total annual fees
$5,112
HOA name
Brenda Maneiro
CDD
No
Min lease term
6 Months
Listing terms
Cash, Conventional, FHA
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Confirm additional lease restrictions with HOA

Exterior & Construction

Exterior features
Balcony, Lighting, Rain Gutters, Sliding Doors, Storage
Construction materials
Block, Stucco
Roof
Shingle
Foundation
Slab
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected

Community

Pets allowed
Yes

Room Details

RoomLevelDimensions
Dining RoomSecond11x10
KitchenSecond11x13
Living RoomSecond13x26
Primary BathroomThird
Primary BedroomThird15x15
Bedroom 2Third
Bedroom 3Third
Bedroom 4First

Listing Details

Listing date
2026-06-10
On market date
2026-06-10
Original list price
$375,000
Occupant type
Vacant
MLS area
34221 - Palmetto/Rubonia
Listing AOR
Sarasota - Manatee
Status changed
2026-06-10
Tax legal description
LOT 85 RIVERBAY TOWNHOMES PHASE THREE; TOGETHER WITH OR2548 PG6823 DESC AS: ASSIGNED RIGHT TO USE BOAT SLIP 3 AS DESC IN OR2177/3466 PI#29591.1605/9

Flood risk

High riskFEMA Zone AE

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 11, 2026 at 6:53 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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