David Ramirez
$635,0004 bd3.5 ba3,448 sqft$184 /sqft$4,534 /mo all-in ↓

10563 PIEDRA DR, PALMETTO, FL, 34221

Active95 days on marketListed Apr 30, 2026MLS #A4691124

Single Family ResidenceARTISAN LAKES EAVES BEND PH I SP A-K

About this home

10563 PIEDRA DR

Welcome to this stunning home located in the amenity-rich Eaves Bend at Artisan Lakes, a community that will soon be home to the brand-new Veterans Elementary School opening for the upcoming school year. This beautifully upgraded residence offers an exceptional blend of elegance and functionality, featuring 8-foot doors, crown molding throughout most of the home, and extra flush mount lighting that enhances every space. The thoughtfully designed floor plan includes a formal living room with a tray ceiling, a formal dining room, and a very large office, along with a convenient drop zone at the garage entrance. The gourmet kitchen is a true showpiece, boasting a wall-mounted oven, gas cooktop, range hood, tile backsplash, quartz counters, soft-close drawers, a large farmhouse sink, pendant lighting above the island, bar seating, and a spacious dining area. Additional storage is abundant with a generously sized pantry and an under-stair pantry/storage space. The first-floor living room opens seamlessly to a large covered lanai through a massive quadruple sliding glass door, offering beautiful water views of the community pond and making indoor-outdoor living effortless. Step outside to enjoy the backyard, which offers plenty of space to design and build your dream pool. Upstairs, a cozy and expansive family room with a tray ceiling provides the perfect retreat. The home features four bedrooms and 3.5 bathrooms, including a convenient half bath downstairs. Bedrooms two and three share a Jack-and-Jill bathroom complete with a double sink vanity, quartz countertops, tiled shower/tub combo, and linen closet. The fourth bedroom showcases charming bay-style windows and has a full bathroom complete with a tiled walk-in shower and quartz counters just outside. The oversized primary suite is a luxurious escape with its own private balcony, tray ceiling, two walk-in closets, and a spa-like en-suite bath featuring a double sink vanity with stacked drawers, a linen closet, a walk-in tile shower with frameless glass enclosure, a jetted tub, and a private water closet. Additional highlights include tile flooring throughout the downstairs, reclaimed irrigation, and a laundry room equipped with a front-load washer and dryer on pedestals drawers. Residents of Eaves Bend enjoy an impressive array of resort-style amenities, including a heated pool and spa, a newly renovated fitness center with brand-new equipment, a basketball court, two playgrounds, a dog park, and expansive green space with soccer nets. The beautifully designed clubhouse offers a poolside lanai, billiards room, business center, multiple seating areas, and a fully equipped kitchen, perfect for gatherings—all for an affordable HOA fee of just $495 per quarter. Ideally located within 30–40 minutes of world-class white-sand beaches and vibrant destinations such as Lakewood Ranch, St. Petersburg, Tampa, and Sarasota, this home also provides convenient access to Manatee County’s rapidly growing Moccasin Wallow and I-75 corridor, featuring a new BayCare hospital, approved retail developments, restaurants, hotels, and nearby shopping, including a Publix-anchored plaza. This move-in-ready home truly captures the best of the Florida lifestyle. Schedule your private showing today and make it yours. Seller willing to consider interest rate buy-down or buyer closing cost assistance with acceptable offer.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,448

Sqft

0.14 ac

Lot size

2

Garage

2020

Year built

Two

Levels

$184

Per sqft

Water viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Gas Water Heater · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Inside · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorBalcony · Hurricane Shutters · Irrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$165/mo
Taxes (2025)$6,530/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Number Limit, Yes
CommunityAssociation Recreation - Owned · Clubhouse · Community Mailbox · Dog Park · Fitness Center · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesPublic
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.

$4,534 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,426
PMI (est., until 20% equity)$238
Property tax — 2025 actual bill$544
HOA fee — from the listing$165
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $63,500Loan30-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% · $63,500
Interest rate6.00%
Loan term

Estimated payment

$4,534/mo

Principal & interest$3,426
PMI (est., until 20% equity)$238
Property taxes (actual bill)$544
HOA / condo fee$165
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 $635K
$610KedgeAI estimate $758,649 · range $684K$788K$820K

vs edgeAI estimate

−16.3%

$/sqft vs ARTISAN LAKES EAVES BEND PH I SP A-K

$184 vs $199

Days on market

95 vs 55 typical

Where $184/sqft sits among the 12 homes for sale in ARTISAN LAKES EAVES BEND PH I SP A-K

4 · this home
2
2
1
1
2
$183–190$190–198$198–206$206–214$214–222$222+

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 Artisan Lakes Esplanade

Map of 10563 PIEDRA DR inside its neighborhood boundary

Drive times from this address

Downtown Tampa40 min
Tampa Int’l Airport (TPA)53 min

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

Get to know Palmetto. See the full Palmetto guide →

Artisan Lakes Esplanade — neighborhood snapshot

Population

1,934

Median age

55

Median income

$134,683

Median home value

$476,900

Avg household

2

Households w/ children

107

For the school run

Manatee County School District

MiddleBuffalo Creek Middle School★★★★★
ElementaryJames Tillman Elementary Magnet School★★★★★
HighPalmetto High School★★★★★

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

The numbers that matter

The Palmetto market

Seller’s marketBalanced5.7 months of inventoryBuyer’s market

$359K$361K

Palmetto median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

5 of 12

ARTISAN LAKES EAVES BEND PH I SP A-K have cut their price

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

This home is listed 74% above the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

Apr 30, 2026Listed at $635,000 · 95 days on market since
2020Built · ARTISAN LAKES EAVES BEND PH I SP A-K

Reality check

What actually sold near 10563 PIEDRA DR

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

5435 LOS ROBLES COURTSold · Jul ’26

$440,000

5435 LOS ROBLES COURT · same community

4 bd · 3 ba · 2,542 sqft · $173/sqft · 89 DOM

5735 BUNGALOW GROVE COURTSold · Oct ’25

$365,000

5735 BUNGALOW GROVE COURT · same community

4 bd · 3 ba · 2,542 sqft · $144/sqft · 119 DOM

5617 MAIDENSTONE WAYSold · May ’26

$410,000

5617 MAIDENSTONE WAY · same community

4 bd · 3 ba · 2,403 sqft · $171/sqft · 116 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 10563 PIEDRA DR — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10563 PIEDRA DR — 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

10563 PIEDRA DR FAQs

What would the monthly payment be for 10563 PIEDRA DR?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,534/mo — principal and interest, the actual property-tax bill, the $165/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 10563 PIEDRA DR?+

The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10563 PIEDRA DR?+

The most recent tax bill on record (2025) was $6,530. 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 10563 PIEDRA DR?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number 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 $635,000, this home is listed about 59% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10563 PIEDRA DR?+

Buffalo Creek Middle School (middle), James Tillman Elementary Magnet School (elementary), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of UKEEPCOMMISSION REAL ESTATE · Korey Dye. MLS #A4691124.

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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