
1304 3RD STREET CIRCLE E, PALMETTO, FL, 34221
Active312 days on marketListed Sep 15, 2025MLS #O6344094
About this home
1304 3RD STREET CIRCLE E
Waterfront Living at Riviera Dunes. Just moments from the shimmering Manatee River and complete with your own boat slip in a protected marina, this exceptional residence is a dream come true for boaters and water enthusiasts. Imagine setting out on turquoise waters, the breeze in your hair, and the occasional glimpse of dolphins surfacing nearby—all with the convenience of docking your vessel just steps from home. This innovative three-story residence is designed for both comfort and style, could also work as a multi gen home, complete with a private elevator, a two-car garage, and multiple balconies that capture serene views and soft coastal breezes. The middle level showcases an inviting open-concept layout, where natural light flows effortlessly through expansive sliding doors. The living and dining areas open to a balcony, creating a seamless indoor-outdoor lifestyle perfect for quiet mornings, al fresco dining, or evenings spent enjoying the sound of rustling palms. The chef’s kitchen is as functional as it is beautiful, offering rich solid-wood cabinetry, gleaming granite countertops, and ample space to create and gather. On the top floor, the private primary suite becomes your personal sanctuary. Sliding doors open to a balcony with tranquil views, while the ensuite bath features dual vanities, a soaking tub, and a spacious walk-in closet. Two additional bedrooms and bathrooms provide flexibility for family, guests, or a home office. Life at Riviera Dunes extends beyond your front door. Residents enjoy scenic walking paths, two sparkling pools, tennis and pickleball courts, a fitness center, and peaceful spots along the marina to take in the sunset. With its perfect blend of elegance, comfort, and unmatched access to the water, this home makes every day feel like a vacation.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,848
Sqft
0.04 ac
Lot size
2
Garage
2004
Year built
Three Or More
Levels
$163
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.
$4,716 /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
$4,716/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.
$/sqft vs Palmetto actives
$163 vs $206
Days on market
312 vs 55 typical
Where $163/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 Palmetto
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palmetto. See the full Palmetto guide →
The numbers that matter
The Palmetto market
$359K → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
211 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 17% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1304 3RD STREET CIRCLE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$600,000
1309 3RD STREET CIRCLE E · same community
4 bd · 4 ba · 2,848 sqft · $211/sqft · 132 DOM
Sold · Jun ’26$420,000
1520 3RD STREET CIRCLE E · same community
4 bd · 4 ba · 2,848 sqft · $147/sqft · 181 DOM
Sold · Aug ’25$1,080,000
130 RIVIERA DUNES WAY UNIT 1201
3 bd · 3.5 ba · 2,930 sqft · $369/sqft · 165 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 1304 3RD STREET CIRCLE E — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1304 3RD STREET CIRCLE 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
1304 3RD STREET CIRCLE E FAQs
What would the monthly payment be for 1304 3RD STREET CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,716/mo — principal and interest, the actual property-tax bill, the $893/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 1304 3RD STREET CIRCLE E?+
The association fee works out to $893 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1304 3RD STREET CIRCLE E?+
The most recent tax bill on record (2024) was $8,642. 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 1304 3RD STREET CIRCLE E?+
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 $464,900, this home is listed about 17% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$464,900 runs 17% above the Palmetto median — but at 2,848 sqft it's also 50% larger than the typical Palmetto listing.
02Know the monthly fee
The association fee is $893/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
312 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 $580,000, now $464,900 — a $115K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Jeff Jones. MLS #O6344094.
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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