610 RIVIERA DUNES WAY UNIT 404, PALMETTO, FL, 34221
Active65 days on marketListed Jun 4, 2026MLS #A4695905
About this home
610 RIVIERA DUNES WAY UNIT 404
Experience breathtaking, panoramic views overlooking the protected Riviera Dunes Marina, one of the premier deepwater harbors on Florida’s West Coast. From your private fourth-floor balcony, enjoy vibrant sunrises, passing boats, views of the Manatee River and the occasional visit from dolphins and other native wildlife. This exceptional location is a haven for boating and fishing enthusiasts, offering swift access to Tampa Bay, the Intracoastal Waterway, Anna Maria Island and the Gulf of Mexico. Boat slips are periodically available for rent or purchase exclusively for Laguna owners. The light and bright kitchen with dinette area, flooring and baths have all been updated. The primary suite showcases sweeping water views, a generous walk-in closet, dual vanities and an ample shower. Additional highlights include a new roof (2025), 24-hour guard-gated entry, designated, covered parking spot with plenty of quest parking, an indoor laundry room with extra storage and 9-foot floor-to-ceiling hurricane-impact sliders. This bright, open two-bedroom, two-bath layout offers a total of 1,870 square feet and a flexible area ideal for use as an office or den. Being sold partially furnished. This pet-friendly, maintenance-free community offers an impressive array of resort-style amenities, including a waterside temperature-controlled pool and spa, clubhouse, fitness center, covered pavilion with two gas grills, recreational paths, and tennis and pickleball courts. Enjoy live music and waterfront dining at the Dockside Grill next door at the Riviera Dunes marina. Ideally minutes from the Gulf beaches of Anna Maria Island, University Town Center’s upscale shopping and dining, Manatee Performing Arts Center, the new Herrig Center for the Arts, Riverwalk, and Emerson Point Preserve. Convenient access to Interstate 75 and Interstate 275 places Sarasota, Tampa, St. Petersburg and three international airports within easy reach. This residence offers the quintessential Florida lifestyle, refined, effortless and endlessly inspiring.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,696
Sqft
0 ac
Lot size
1
Garage
2004
Year built
One
Levels
$233
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$3,621 /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
$3,621/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−14.5%
$/sqft vs Palmetto actives
$233 vs $207
Days on market
65 vs 56 typical
Where $233/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)
226 of 400
Palmetto actives have cut their price
Median sold price, Palmetto, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 610 RIVIERA DUNES WAY UNIT 404
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$725,000
112 16TH STREET W
3 bd · 2 ba · 1,708 sqft · $424/sqft · 11 DOM
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
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 610 RIVIERA DUNES WAY UNIT 404 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 610 RIVIERA DUNES WAY UNIT 404 — 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
610 RIVIERA DUNES WAY UNIT 404 FAQs
What would the monthly payment be for 610 RIVIERA DUNES WAY UNIT 404?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,621/mo — principal and interest, the actual property-tax bill, the $402/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 610 RIVIERA DUNES WAY UNIT 404?+
The association fee works out to $402 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 610 RIVIERA DUNES WAY UNIT 404?+
The most recent tax bill on record (2025) was $6,707. 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 610 RIVIERA DUNES WAY UNIT 404?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $395,000, this home is priced right at the Palmetto median.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTERNATIONAL REALTY · Cindy Pierro. MLS #A4695905.
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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