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Overview

4 bd4 ba3,252 sqft2 car garageSingle Family
TypeSingle Family
HOA$490/qtr
Built2002
Lot8,999 sqft
Living area3,252 sqft
Price / sqft$426
Garage2 car

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About this home

Ceiling Fans(s)Crown MoldingHurricane ShuttersSidewalkClubhouseDeed RestrictionsFitness CenterGated Community - Guard

1105 3rd St E is a 2002-built home in Northshore At Riviera Dunes Ph 1-a, Palmetto. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,252 square feet of living space. Listed at $1,385,000 (about $426/sqft), 97 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $490 quarterly.

From the listing

Experience waterfront luxury in the prestigious gated community of Riviera Dunes, where every day begins with breathtaking water views and ends with effortless access to the Gulf. Perfectly positioned on the community's 18-foot-man made harbor, this beautifully updated residence includes a private boat slip on 3rd Street that accommodates up to a 60-foot boat, offering direct Gulf access in just minutes. Such an exceptional opportunity for serious boaters! This meticulously maintained home offers over 3,200 square feet of thoughtfully designed living space featuring 4 bedrooms, 3.5 bathrooms, impressive 12-foot ceilings, elegant 8-foot doors, rich refinished hardwood floors (2022), fresh interior paint, plantation shutters (2022), and new carpet (2025). The chef's kitchen is outfitted with premium stainless steel appliances, including a Sub-Zero refrigerator/freezer, Thermador oven, Bosch dishwasher, newer microwave, and abundant cabinetry designed for both everyday living and entertaining. The laundry room features new cabinetry and a cedar-lined storage closet—the perfect solution for seasonal items and keeping valuables protected. Designed to embrace Florida's indoor-outdoor lifestyle, the screened lanai (2022) overlooks the tranquil lagoon and features a heated pool, a bonus roll-down screen for added comfort and privacy, and plenty of space to entertain. Recent improvements provide exceptional peace of mind, including a new A/C system (2026), a clean 4-point inspection, cement tile roof, tankless water heater, new pool heater (2024), rebuilt self-cleaning pool pop-up system (2022), new pool cage (2022), upgraded fine-mesh screen enclosure (2023), landscape uplighting, laundry room cabinetry, Samsung washer and dryer (2025), and updated boat slip poles and power post (2025). Situated on the Manatee River with quick and easy access to the Gulf of Mexico, Tampa Bay, and the Intracoastal Waterway, Riviera Dunes is one of Florida's premier West Coast boating communities. Its 18-foot-deep, man-made harbor is among the largest hurricane-protected harbors in the state, offering residents private boat slips either behind their homes or at neighborhood docks. Residents also enjoy resort-style amenities including a private marina, community pool, fitness center, tennis and pickleball courts, waterfront dining, and convenient access to shopping and major commuter routes. Luxury, convenience, and an unmatched boating lifestyle. This is ABSOLUTELY waterfront living at its finest.

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The essentials

Built
2002
Price / sqft
$426
On market
97 days
Annual tax
$20,216
HOA
$490/qtr
Flood zone
X500* · Low risk
Lot
8,999 sqft
Type
Single Family Residence

At a glance

Single family
Built 2002
Water views
Pool
Private pool
Heated
2 car garage
Circular Driveway
8,999 sqft lot
Lot size

Payment

Est. monthly payment
$9,764/mo
Down payment (20%)
$277,000
Property taxes
$1,685/mo
HOA
$490/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2002
Lot
8,999 sqft
Cooling
Central Air
Heating
Central
Parking
Circular Driveway
Pool
Auto Cleaner, Gunite, Heated, In Ground, Indoor, Lighting, Outside Bath Access, Screen Enclosure, Self Cleaning
Days on Market
97
Ceiling Fans(s)
Crown Molding
Hurricane Shutters
Sidewalk
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - Guard
Golf Carts OK
Pool
Restaurant
Sidewalks
Tennis Court(s)
Street Lights
Built-in Oven
Dishwasher
Disposal
Dryer
Microwave
Range
Solar Hot Water
Tankless Water Heater
Washer
Elementary
James Tillman Elementary
Middle
Lincoln Middle
High
Palmetto High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X500*
Annual Tax (2025)
$20,216
Parcel #
2581703049

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
Northshore At Riviera Dunes Ph 1-a
County
Manatee
MLS Area
34221 - Palmetto/Rubonia
Lot Size
8,999 sqft
LandscapedNear MarinaSidewalkPaved
HOA
$490/qtr
Tracy Goelz - Northshore at Riviera Dunes PH 1A

Price history

Date
Event
Price
9/21/2026
Price change
Source: Stellar MLS #TB8526709
$1,385,000-0.7%
$426/sqft
7/6/2026
Listed for sale
Source: Stellar MLS #TB8526709
$1,395,000
$429/sqft

Neighborhood

1105 3rd St E
Palmetto, FL, 34221 · 34221 - Palmetto/Rubonia

Market insights

Offer Insights

Choose an offer strength

List price: $1,385,000
$1.37M – $1.39M
98.8% – 100% of listTops out right at the list price
80% of listList price
223 of the last 445 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 97 after a $10,000 cut.

Sample: 445 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
$9,764/mo
Principal & interest$7,223
Property taxes$1,685
Insurance$693
HOA$163
Down payment20% · $277,000
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 is the fee 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

$1,385,000

$426 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,252 sq ft

Time on market

97 days

Year built

2002

Monthly payment

About $9,764/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $20,216 annual tax bill, insurance, and the $490/qtr HOA fee.

HOA fee

$490/qtr

Managed by Tracy Goelz - Northshore at Riviera Dunes PH 1A.

Flood zone

Zone X500*

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

Offer

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Brokered byFLORIDA EXECUTIVE REALTYListing agent: Danielle RednerListing data from Stellar MLS, MLS# TB8526709.

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