615 RIVIERA DUNES WAY UNIT 406, PALMETTO, FL, 34221
Active177 days on marketListed Feb 13, 2026MLS #A4682609
About this home
615 RIVIERA DUNES WAY UNIT 406
Available starting 10.2.26. Available for 2027 season. This immaculate, turnkey furnished 2 bed 2 bath condo with a den overlooks the Manatee River, providing the ultimate in luxury and convenience. Enjoy beautiful river views with the southern exposure off the rear balcony. Upscale kitchen with wood cabinets, granite counters and stainless-steel appliances. This luxury condo features an open floor plan with the guest and master bedrooms at separate ends of the condo to ensure the utmost privacy. Laguna at Riviera Dunes offers resort style living at its finest with a gated community entrance, secured lobby access and 24-hour on-site security. Amenities include a fitness center, heated pool and spa, outdoor grill, tennis courts and a clubhouse situated on a deep water protected marina. A true boater’s dream! Just a short drive will take you to the pristine beaches of Anna Maria Island and it’s only 30 minutes to downtown Sarasota or, St. Petersburg. Located in close proximity to three area airports, and a variety of shopping, dining and golfing opportunities. Rates: Jan-Apr $5,000 a month. May-Dec $2,500 per month.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,758
Sqft
0 ac
Lot size
1
Garage
2006
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /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
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$1 vs $205
Days on market
177 vs 56 typical
Where $1/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 → $355K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
229 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 99% below the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 615 RIVIERA DUNES WAY UNIT 406
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$480,000
610 RIVIERA DUNES WAY UNIT 306
2 bd · 2 ba · 1,758 sqft · $273/sqft · 102 DOM
Sold · Jun ’26$480,000
606 RIVIERA DUNES WAY UNIT 306
2 bd · 2 ba · 1,758 sqft · $273/sqft · 108 DOM
Sold · Jun ’26$725,000
112 16TH STREET W
3 bd · 2 ba · 1,708 sqft · $424/sqft · 11 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 615 RIVIERA DUNES WAY UNIT 406 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 615 RIVIERA DUNES WAY UNIT 406 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
615 RIVIERA DUNES WAY UNIT 406 FAQs
What would the monthly payment be for 615 RIVIERA DUNES WAY UNIT 406?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 615 RIVIERA DUNES WAY UNIT 406?+
The listing reports pets: Breed Restrictions, Number Limit, Pet Deposit, Size Limit, 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 $2,500, this home is listed about 99% below the Palmetto median of $394,999. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Palmetto market on paper
$2,500 is 99% below the Palmetto median of $394,999, and at $1/sqft it sits under the Palmetto average of $231.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
177 days on market against a Palmetto median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of O'STEEN GROUP INC · Jonathan O'Steen. MLS #A4682609.
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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