102 12th Ave E, photo 1
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Overview

4 bd5 ba4,462 sqft3 car garageSingle Family
TypeSingle Family
HOA$400/qtr
Built2003
Lot12,275 sqft
Living area4,462 sqft
Price / sqft$437
Garage3 car

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)Central VaccumCrown MoldingEat-in KitchenHigh CeilingsPrimary Bedroom Main FloorSolid Wood Cabinets

102 12th Ave E is a 2003-built home in Peninsula At Riviera Dunes, Palmetto. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,462 square feet of living space. Listed at $1,950,000 (about $437/sqft), 188 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $400 quarterly.

From the listing

Welcome to an exceptional waterfront estate, gracefully positioned at the end of a palm-lined cul-de-sac on a private peninsula within the exclusive gated community of Riviera Dunes. Set along the peaceful Manatee River, this residence captures breathtaking sunset views and offers a refined coastal lifestyle with convenient access to the Gulf of Mexico via the community’s deep-water marina. This furnished custom home spans over 4,400 square feet of elegant living space and more than 5,700 total square feet designed for both luxurious everyday living and grand-scale entertaining. From the moment you arrive, the paver driveway, striking curb appeal, and three-car tandem garage with designer checkerboard flooring set the tone. Inside, expansive tray ceilings with ambient lighting, custom ironwork, and timeless finishes create an elevated yet inviting atmosphere. A grand formal dining room is perfect for hosting, while the massive great room, anchored by a gas fireplace and custom built-ins, offers both comfort and style. The gourmet kitchen is thoughtfully appointed with granite countertops, natural wood custom cabinetry, a walk-in pantry, built-in desk, wet bar, and premium appliances including Thermador and Sub-Zero. The main-level owner’s suite is a private sanctuary, featuring serene water views from every window, a custom walk-in closet, and a spa-inspired bath with glass shower, dual vanities, abundant storage, private commode with bidet, and an in-suite wet bar. Upstairs, a spacious family and recreation area with kitchenette opens to an expansive balcony overlooking the water, ideal for relaxing or entertaining. Step outside to your private waterfront retreat, where a covered patio and seating area lead to a stunning beach-entry, heated, saltwater, infinity pool, perfectly positioned to take in spectacular sunset views over the river. Built for both beauty and peace of mind, the home features hurricane impact glass, a concrete seawall, and has experienced no flooding during recent storm events, an exceptional benefit for waterfront living. Additional highlights include a wine cellar, tile flooring throughout, stucco exterior, and a classic barrel tile roof. While this property does not include a private dock, Riviera Dunes offers one of Southwest Florida’s safest deep-water harbors, with boat slips often available for purchase separately, providing convenient boating access to the Gulf in approximately 10 minutes. This home is ideally located just minutes to I-75, approximately 45 minutes to Tampa International Airport, 30 minutes to Sarasota-Bradenton International Airport, and close to premier shopping and dining at Ellenton Premium Outlets and University Town Center. This is more than a home, it’s a rare opportunity to experience waterfront living with unmatched sunsets, elegance, and privacy.

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The essentials

Built
2003
Price / sqft
$437
On market
188 days
Annual tax
$26,935
HOA
$400/qtr
Flood zone
AE
Lot
12,275 sqft
Type
Single Family Residence

At a glance

Single family
Built 2003
Waterfront
River Front
Private pool
Heated
3 car garage
Driveway
0.28 acres
Lot size

Payment

Est. monthly payment
$13,523/mo
Down payment (20%)
$390,000
Property taxes
$2,245/mo
HOA
$400/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2003
Lot
12,275 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Tandem
Pool
Chlorine Free, Gunite, Heated, In Ground, Infinity, Lighting, Salt Water
Waterfront
River Front
Days on Market
188
Cathedral Ceiling(s)
Ceiling Fans(s)
Central Vaccum
Crown Molding
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Wet Bar
Window Treatments
Awning(s)
Balcony
Lighting
Private Entrance
Private Mailbox
Private Yard
Deed Restrictions
Fitness Center
Pool
Tennis Court(s)
Bar Fridge
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Dryer
Electric Water Heater
Ice Maker
Microwave
Range Hood
Refrigerator
Washer
Flood Zone AE
Annual Tax (2025)
$26,935
Parcel #
2581602979

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
Peninsula At Riviera Dunes
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
12,275 sqft
HOA
$400/qtr
Advanced Management

Price history

Date
Event
Price
5/31/2026
Price change
Source: Stellar MLS #N6143586
$1,950,000-11.4%
$437/sqft
4/6/2026
Listed for sale
Source: Stellar MLS #N6143586
$2,200,000
$493/sqft

Neighborhood

102 12th Ave E
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $1,950,000
$1.93M – $1.95M
98.8% – 100% of listTops out right at the list price
80% of listList price
224 of the last 446 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 188 after a $250,000 cut.

Sample: 446 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
$13,523/mo
Principal & interest$10,170
Property taxes$2,245
Insurance$975
HOA$133
Down payment20% · $390,000
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

$1,950,000

$437 per sq ft

Beds and baths

4 beds, 5 baths

Size

4,462 sq ft

Time on market

188 days

Year built

2003

Monthly payment

About $13,523/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $26,935 annual tax bill, insurance, and the $400/qtr HOA fee.

HOA fee

$400/qtr

Managed by Advanced Management.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byWHITE SANDS REALTY GROUP FLListing agent: Tracy JonesListing data from Stellar MLS, MLS# N6143586.

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