312 11TH AVENUE E, PALMETTO, FL, 34221
Active139 days on marketListed Mar 7, 2026MLS #A4685327
About this home
312 11TH AVENUE E
One or more photo(s) has been virtually staged. This GULF ACCESS home delivers exceptional value at this price point! Live the luxurious boating lifestyle at Riviera Dunes! 40FT BOAT SLIP INCLUDED w/NEW 20,000 lb Lift and moorings! This GATED boating community is meticulously landscaped with well appointed amenities. This private corner waterfront single family home features 2 bd/2ba plus a large office that can serve as a 3rd bedroom plus a 2 car garage. You will enjoy plenty of privacy in this end of cul-de-sac private pond front home. This is a pristine, boating gated community where you can enjoy watching the marina boats go by from the waterfront community pool and tennis or pickle ball courts. Enjoy your days in paradise by strolling along the private nature path through the boat basin to watch the sunsets and/or listen to live music with a cold drink at the nearby Riviera Dunes Dockside Grill. This home features an open floor plan with a split bedroom layout. As you enter the foyer area you will immediately notice the 10ft high ceilings throughout the home. The kitchen features granite counter tops, solid wood cabinets, stainless steel appliances including a gas stove and a breakfast nook room that can also serve as a hidden hobby or craft room or 2nd office. The living/dining room combination provides an open space for entertaining. The master bedroom suite features a large walk-in closet and a master bath with a shower, separate spa bath tub, double vanities and private water closet. Home did not flood or have any water intrusion during recent hurricanes. Entire exterior of home was painted in 2024. Boat slip has a brand new heavy duty Golden brand 20,000 lb boat lift with new mooring pilings installed by Duncan Marine. Enjoy community amenities including a direct waterfront heated swimming pool, clubhouse, fitness center, tennis/pickleball and nearby Riviera Dunes Marina Bar & Grill. This property is centrally located near US 41, US 301, I-75 and I-275. Just 2 minutes to popular grocery stores such as Detwilers Farm Market, Aldi & Walmart! Close to waterfront dining, schools, shops, downtown Bradenton, convention center, Bradenton Yacht Club, area beaches & more. Pet friendly gated waterfront community! This one checks all of the boxes at an attractive price! Come live the beach & boating life on the beautiful Gulf Coast of FL! If you do not have a boat know that your boat slip can also be rented out to another RD owner and or sold to another owner for extra income since many homes do not include a boat slip. Don't delay on this hidden gem!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,714
Sqft
0.14 ac
Lot size
2
Garage
2004
Year built
One
Levels
$343
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.
$4,718 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,718/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+50.5%
$/sqft vs Palmetto actives
$343 vs $207
Days on market
139 vs 55 typical
Where $343/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 Riviera Dunes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
Riviera Dunes — neighborhood snapshot
Population
203
Median age
66
Median income
$144,904
Median home value
$494,900
Avg household
2
Households w/ children
2%
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)
214 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 61% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 312 11TH AVENUE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,690,000
807 3RD STREET E · same community
4 bd · 4 ba · 3,623 sqft · $466/sqft · 16 DOM
Sold · Feb ’26$2,200,000
805 3RD STREET E · same community
4 bd · 4.5 ba · 4,775 sqft · $461/sqft · 49 DOM
Sold · Mar ’26$3,000,000
801 3RD STREET E · same community
6 bd · 5.5 ba · 5,318 sqft · $564/sqft · 88 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 312 11TH AVENUE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 312 11TH AVENUE E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
312 11TH AVENUE E FAQs
What would the monthly payment be for 312 11TH AVENUE E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,718/mo — principal and interest, the actual property-tax bill, the $318/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 312 11TH AVENUE E?+
The association fee works out to $318 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 312 11TH AVENUE E?+
The most recent tax bill on record (2025) was $10,161. 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 312 11TH AVENUE E?+
The listing reports pets: Cats OK, Dogs OK, Number 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 $587,900, this home is listed about 47% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 312 11TH AVENUE E?+
Lincoln Memorial Middle School (middle), James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$587,900 runs 61% above the PALMETTO 34221 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
139 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $664,900, now $587,900 — a $77K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LIST FOR LESS, LLC · Mary Bradford. MLS #A4685327.
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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