David Ramirez
$3,348,000$3,498,0004 bd4.5 ba4,209 sqft$795 /sqft$20,279 /mo all-in ↓

1831 RIO VISTA TERRACE, PARRISH, FL, 34219

Active142 days on marketListed Mar 5, 2026MLS #A4684858

Reduced $150KWaterfrontPrivate poolSingle Family ResidenceRIVER WILDERNESS PH III SUBPH G-I

About this home

1831 RIO VISTA TERRACE

This extraordinary custom waterfront residence with a saltwater pool & spa in the Islands on the Manatee River blends luxury design, cutting-edge technology & direct boating access to the Gulf with no locks. Set on a private, nearly acre homesite, the impressive 131-foot-wide estate, completed in December 2024, offers 4,200 square feet of luxurious living space - with 7,200 total square feet under roof, including an expansive 8-car garage & large covered lanai space perfect for entertaining & enjoying the stunning water views. The home features 185 feet of waterfront living & a private dock with a 20,000-pound lift, making it a dream property for boating enthusiasts. Inside, the thoughtfully designed open-concept floor plan includes 4 bedrooms with en-suite baths, den/office, bonus room, half bathroom & storage room, all finished with exceptional craftsmanship including 11-foot ceilings, upgraded LVP flooring throughout, 8-foot solid wood doors with extra wide openings, crown molding, vaulted ceilings, wood accented ceilings, impact-resistant Anderson windows & PGT doors. The chef’s kitchen is the centerpiece of the home, showcasing Thermador appliances, a built-in double oven, gas range with griddle & downdraft vent, 60-inch Dacor column refrigerator/freezer, 42-inch shaker-style wood cabinetry with upper cabinets, large quartz island, farmhouse sink, hidden walk-in pantry, coffee station, a wet bar with wine refrigerator & additional sink. The adjoining living room features 14-foot vaulted ceilings, custom built-ins & a dramatic 24-by-10-foot pocket sliding glass door that opens seamlessly to the outdoor living area. Designed for true Florida living, the expansive lanai offers nearly 1,000 square feet of covered entertaining space, highlighted by a pool/spa with gas heater, panoramic screen enclosure, upgraded pavers, a fully equipped outdoor kitchen with Blaze grill & cooktop. Additional outdoor spaces include a fire pit, patio & beautifully landscaped yard. A spacious bonus room with zero-corner sliding impact glass doors, surround sound & water views provides the perfect space for entertaining. The luxurious primary suite features French doors to the lanai, large dual walk-in closets & a spa-inspired bathroom with freestanding tub, quartz vanities, walk-in shower with rain head & dual showerheads. Built with high-end systems & modern efficiency, the home includes two Navien tankless gas water heaters, a 500-gallon propane tank, whole-house water filtration, reverse osmosis drinking water system, Cat6 wiring throughout, multi-zone surround sound, security system with 4K cameras, powered Roman shades, Wi-Fi irrigation from a private well & automated landscape lighting. The oversized eight-car garage offers exceptional flexibility for car enthusiasts or storage, featuring epoxy floors, insulated hurricane-rated doors, spray foam attic insulation, Wi-Fi LiftMaster openers with cameras, EV charging & rear garage access to the backyard. Residents enjoy access to a community space with gym, great room, fire pit, bocce court, putting green & day dock. Optional golf memberships available at River Wilderness Golf & Country Club. Located 3 miles from Lakewood Ranch, with easy access to airports, shopping, dining & beaches. This property offers a rare opportunity to enjoy custom luxury, modern efficiency & direct Gulf boating access. A full feature sheet is available detailing the extensive enhancements throughout.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

4,209

Sqft

0.6 ac

Lot size

8

Garage

2024

Year built

One

Levels

$795

Per sqft

Private poolWaterfrontPark/Greenbelt & Pool & Water viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Kitchen Reverse Osmosis System · Microwave · Refrigerator · Tankless Water Heater · Touchless Faucet · Washer · Water Filtration System · Water Purifier · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Solid Wood Cabinets · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofMetal
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewPark/Greenbelt · Pool · Water
FacesSouth
ParkingDriveway · Electric Vehicle Charging Station(s) · Garage Door Opener · Garage Faces Side · Golf Cart Parking · Ground Level · Oversized · Split Garage · Tandem
ExteriorFire Pit · French Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Private Yard · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$344/mo
Taxes (2024)$5,449/yr
PetsCats OK, Dogs OK, Yes
CommunityCanal Front · Community Boat Ramp · Fishing · Marina · Public Boat Ramp · River · Water Access · Waterfront · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Public · Sewer Connected · Sprinkler Well · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$20,279 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$18,066
PMI (est., until 20% equity)$1,256
Property tax — 2024 actual bill$454
HOA fee — from the listing$344
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $334,800Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $334,800
Interest rate6.00%
Loan term

Estimated payment

$20,279/mo

Principal & interest$18,066
PMI (est., until 20% equity)$1,256
Property taxes (actual bill)$454
HOA / condo fee$344
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.

List $3.3M
$1.1MedgeAI estimate $1,563,917 · range $1.1M$1.7M$3.5M

vs edgeAI estimate

+114.1%

$/sqft vs Parrish actives

$795 vs $204

Days on market

142 vs 42 typical

Where $795/sqft sits among the 400 Parrish actives

355
34
6
1
0
4 · this home
$154–261$261–368$368–475$475–582$582–689$689+

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 River Wilderness

Map of 1831 RIO VISTA TERRACE inside its neighborhood boundary

Drive times from this address

Downtown Tampa57 min
Tampa Int’l Airport (TPA)67 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Parrish. See the full Parrish guide →

River Wilderness — neighborhood snapshot

Population

1,954

Median age

61

Median income

$103,085

Median home value

$537,200

Avg household

2

Households w/ children

121

For the school run

Manatee County School District

ElementaryAnnie Lucy Williams Elementary School★★★★
HighParrish Community High School★★★★★
MiddleBuffalo Creek Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Parrish market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$395K$411K

Parrish median sold, yr/yr

98.1%

Sale-to-list ratio (12 mo)

212 of 400

Parrish actives have cut their price

Median sold price, Parrish, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 713% above the PARRISH 34219 median. See the full Parrish market guide →

Paper trail

This home's history

CurrentPrice reduced to $3,348,000 $150K
Mar 5, 2026Listed at $3,498,000 · 142 days on market since
2024Built · RIVER WILDERNESS PH III SUBPH G-I

Reality check

What actually sold near 1831 RIO VISTA TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1719 RIO VISTA TERRACESold · Dec ’25

$3,250,000

1719 RIO VISTA TERRACE · same community

4 bd · 4.5 ba · 4,097 sqft · $793/sqft · 22 DOM

1730 RIO VISTA TERRACESold · Feb ’26

$3,175,000

1730 RIO VISTA TERRACE · same community

4 bd · 4.5 ba · 3,944 sqft · $805/sqft · 109 DOM

1815 RIO VISTA TERRACESold · Jun ’26

$2,325,000

1815 RIO VISTA TERRACE · same community

3 bd · 4 ba · 3,612 sqft · $644/sqft · 45 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1831 RIO VISTA TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1831 RIO VISTA TERRACE — 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.

Goes straight to David’s phone and CRM.

Straight answers

1831 RIO VISTA TERRACE FAQs

What would the monthly payment be for 1831 RIO VISTA TERRACE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,279/mo — principal and interest, the actual property-tax bill, the $344/mo association fee 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.

How much are the HOA fees at 1831 RIO VISTA TERRACE?+

The association fee works out to $344 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1831 RIO VISTA TERRACE?+

The most recent tax bill on record (2024) was $5,449. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 1831 RIO VISTA TERRACE?+

The listing reports pets: Cats OK, Dogs OK, 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 Parrish?+

At $3,348,000, this home is listed about 694% above the Parrish median of $421,470. The market section on this page shows how the area is trending.

Which schools are assigned to 1831 RIO VISTA TERRACE?+

Annie Lucy Williams Elementary School (elementary), Parrish Community High School (high), Buffalo Creek Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$3,348,000 runs 713% above the PARRISH 34219 median — but at 4,209 sqft it's also nearly twice the size of the typical Parrish listing.

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

142 days on market against a Parrish median of 42 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Annie Lucy Williams Elementary School, Parrish Community High School, Buffalo Creek Middle School — Annie Lucy Williams Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $3,498,000, now $3,348,000 — a $150K cut. The full history is in the market section below.

Listing courtesy of THE AGENCY SARASOTA · Megan Finke. MLS #A4684858.

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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