10205 Saint Francis Ter, photo 1
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Overview

2 bd2 ba1,698 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,559.9/qtr
Built2015
Lot5,732 sqft
Living area1,698 sqft
Price / sqft$241
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsIN Wall Pest SystemOpen FloorplanPest Guard SystemPrimary Bedroom Main FloorSolid Surface CountersSolid Wood Cabinets

10205 Saint Francis Ter is a 2015-built home in Artisan Lakes Esplanade Ph I Sp A-d, Palmetto. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,698 square feet of living space. Listed at $409,900 (about $241/sqft), 190 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,559.9 quarterly.

From the listing

Welcome to your coastal retreat — where sun-kissed light, gentle breezes, and laid-back elegance await. Step inside this airy, coastal-inspired home and let your imagination set sail. From the moment you enter, you're greeted by a bright and open living space that flows effortlessly to a tranquil lanai, perfect for morning coffee or sunset lounging. Beyond the large sliding glass doors, enjoy a spacious backyard that backs up to serene conservation land — your own private slice of nature. The living room is filled with natural light, thanks to two generously sized windows, and offers the perfect backdrop for cozy coastal furnishings. The primary suite is a true seaside sanctuary, featuring a trio of bay windows that invite in soft light and offer views of the outdoors. A modern retractable ceiling fan with dual light settings adds both function and flair. The ensuite bath is spa-like, with a walk-in shower featuring a built-in seat, dual vanities with abundant counter space, and direct access to a walk-in closet with built-in shelving — and yes, there's attic access too. The dining room is bright and inviting, framed by a picture window that captures the beauty of the day. The kitchen is thoughtfully designed for both style and function, featuring stainless steel appliances, a double sink, ample lighting, and generous cabinet space — 15 upper cabinets, 12 lowers, and 6 drawers to be exact. A fixed window fills the space with natural light, making every meal prep a pleasure. The second bedroom offers comfort and versatility, with a walk-in closet, retractable ceiling fan, and pocket-door access to the second full bathroom, complete with a tub/shower combo and easy access from the hallway. Across the hall, you’ll find a spacious office — or creative space — with another fixed window and a ceiling fan to keep the ocean-inspired vibes going strong. Laundry is tucked away in a private room with ample shelving, and the two-car garage offers plenty of space and additional attic access. The community? It's your coastal clubhouse dream come true. The HOA includes landscaping, cable, and exclusive access to the Amenity Center — featuring a resort-style pool, lap pool, bubbling spa, fire pit, 24-hour fitness room, tennis courts, pickleball, corn hole, massage room, billiards, library, event space, and a calendar full of activities like dancing, bingo, and live shows. Don’t miss the opportunity to live the laid-back lifestyle you’ve been dreaming of — this coastal haven is calling your name.

The essentials

Built
2015
Price / sqft
$241
On market
190 days
Annual tax
$1,105
HOA
$1,559.9/qtr
Flood zone
X · Low risk
Lot
5,732 sqft
Type
Single Family Residence

At a glance

Single family
Built 2015
Community pool
Fitness center too
2 car garage
Driveway
5,732 sqft lot
Lot size
1,698 sqft
Living area

Payment

Est. monthly payment
$2,955/mo
Down payment (20%)
$81,980
Property taxes
$92/mo
HOA
$1,559.9/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2015
Lot
5,732 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Guest
Days on Market
190
Ceiling Fans(s)
High Ceilings
IN Wall Pest System
Open Floorplan
Pest Guard System
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Lighting
Rain Gutters
Sidewalk
Sliding Doors
Association Recreation - Owned
Clubhouse
Community Mailbox
Deed Restrictions
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Irrigation-reclaimed Water
Park
Playground
Pool
Sidewalks
Special Community Restrictions
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Gas Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$1,105
Parcel #
610903359

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Artisan Lakes Esplanade Ph I Sp A-d
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
5,732 sqft
Conservation AreaIn CountyLandscapedLevelStreet Dead-EndPavedUnincorporated
HOA
$1,559.9/qtr
Catherine Gangloff

Price history

Date
Event
Price
7/17/2026
Price change
Source: Stellar MLS #A4688993
$409,900-4.7%
$241/sqft
-
Price change
Source: Stellar MLS #A4688993
$430,000-1.4%
$253/sqft
4/6/2026
Listed for sale
Source: Stellar MLS #A4688993
$436,000
$257/sqft

Neighborhood

10205 Saint Francis Ter
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $409,900
$405,000 – $409,900
98.8% – 100% of listTops out right at the list price
80% of listList price
225 of the last 448 home closings in 34221 landed at this number or higher (50%). The median one sat 46 days before it went under contract, and this one is on day 190 after a $26,100 cut.

Sample: 448 closed home sales in 34221 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,955/mo
Principal & interest$2,138
Property taxes$92
Insurance$205
HOA$520
Down payment20% · $81,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$409,900

$241 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,698 sq ft

Time on market

190 days

Year built

2015

Monthly payment

About $2,955/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,105 annual tax bill, insurance, and the $1,559.9/qtr HOA fee.

HOA fee

$1,559.9/qtr

Managed by Catherine Gangloff.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byTIM LESTER INTERNAT'L REALTYListing agent: Tim LesterListing data from Stellar MLS, MLS# A4688993.

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