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Overview

3 bd2 ba1,920 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,560/qtr
Built2014
Lot12,720 sqft
Living area1,920 sqft
Price / sqft$203
Garage2 car

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About this home

Ceiling Fans(s)L DiningLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomThermostatTray Ceiling(s)

10103 Saint Francis Ter is a 2014-built home in Artisan Lakes Esplanade Ph I Sp A-d, Palmetto. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,920 square feet of living space. Listed at $390,000 (about $203/sqft), 110 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,560 quarterly.

From the listing

Set on an oversized cul-de-sac lot in the gated resort-style community of Esplanade at Artisan Lakes, this 3-bedroom, 2-bath home with a dedicated den features a NEW A/C with UV (2024), spacious layout, large screened lanai, and a backyard setting with room to enjoy Florida living. The entry opens into the main living area, where a tray ceiling, recessed lighting, and large sliding doors create a bright, open space that connects directly to the lanai. The kitchen features granite countertops, stainless steel appliances, dark wood cabinetry, a pantry, and a large breakfast bar with seating. Just beyond, the dining room offers a defined space for meals, gatherings, and entertaining. A dedicated den provides flexible space for a home office, reading room, hobby area, or additional lounge space. The primary bedroom is positioned privately with plantation shutters, a walk-in closet, and an en suite bathroom featuring dual vanities, a soaking tub, walk-in shower, and private water closet. Two secondary bedrooms and a full bathroom are located on the opposite side of the home, creating comfortable separation for guests or household members. The screened lanai extends the living space outdoors with a covered sitting area and peaceful views of the surrounding greenery. The oversized homesite offers more than a quarter acre with room to relax, garden, entertain, or explore future outdoor possibilities. Additional features include a laundry room, two-car garage, and NEW garage door spring system replaced in 2023. Esplanade at Artisan Lakes offers an impressive amenity-rich lifestyle with a resort-style pool, spa, fitness center, clubhouse, café, billiards and game room, tennis, pickleball, bocce, walking trails, event lawn, dog park, and a full calendar of activities. Association dues include cable, internet, and grounds maintenance, adding convenience to the resort-style setting. Located near I-75, residents enjoy convenient access to Sarasota, St. Petersburg, vibrant dining, shopping, entertainment, and the renowned Gulf Coast beaches.

The essentials

Built
2014
Price / sqft
$203
On market
110 days
Annual tax
$3,420
HOA
$1,560/qtr
Flood zone
X* · Low risk
Lot
12,720 sqft
Type
Single Family Residence

At a glance

Single family
Built 2014
Community pool
Fitness center too
2 car garage
0.29 acres
Lot size
1,920 sqft
Living area

Payment

Est. monthly payment
$3,034/mo
Down payment (20%)
$78,000
Property taxes
$285/mo
HOA
$1,560/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2014
Lot
12,720 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
110
Ceiling Fans(s)
L Dining
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Rain Gutters
Sidewalk
Fitness Center
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Dryer
Range
Refrigerator
Homestead exemption on file Flood Zone X*
Annual Tax (2025)
$3,420
Parcel #
610903859

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
12,720 sqft
Cul-De-Sac
HOA
$1,560/qtr
Troon Management

Price history

Date
Event
Price
10/5/2026
Price change
Source: Stellar MLS #A4697892
$390,000-2.5%
$203/sqft
-
Price change
Source: Stellar MLS #A4697892
$400,000-7.0%
$208/sqft
6/25/2026
Listed for sale
Source: Stellar MLS #A4697892
$430,000
$224/sqft

Neighborhood

10103 Saint Francis Ter
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $390,000
$385,000 – $390,000
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 110 after a $40,000 cut.

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

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Calculator

Est. monthly payment
$3,034/mo
Principal & interest$2,034
Property taxes$285
Insurance$195
HOA$520
Down payment20% · $78,000
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

$390,000

$203 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,920 sq ft

Time on market

110 days

Year built

2014

Monthly payment

About $3,034/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,420 annual tax bill, insurance, and the $1,560/qtr HOA fee.

HOA fee

$1,560/qtr

Managed by Troon Management.

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?

Have another question?

Brokered byTNG REAL ESTATEListing agent: Scott NoldListing data from Stellar MLS, MLS# A4697892.

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