140 RIVIERA DUNES WAY UNIT 1204, PALMETTO, FL, 34221
Active58 days on marketListed Jun 11, 2026MLS #A4696458
About this home
140 RIVIERA DUNES WAY UNIT 1204
Experience the luxury waterfront living at Bel Mare in this exceptional 12th-floor residence featuring the sought-after Rapallo floor plan. Offering approximately 3,350 square feet of beautifully designed space, this home was created to maximize breathtaking views of the magical Manatee River and the spectacular sunsets that paint the evening sky. Walls of floor-to-ceiling impact glass flood the home with natural light while framing panoramic water vistas from nearly every room. High ceilings and an free flowing layout create an airy, sophisticated atmosphere, while the expansive private terrace provides the perfect setting for morning coffee, outdoor dining, or simply enjoying the song of the river. Residents of this gated waterfront community enjoy an impressive collection of amenities, including resort-style swimming pools, a state-of-the-art fitness center, pickleball courts, a private theater, guest suites, social spaces, scenic walking paths, and membership access to the Riviera Dunes Beach Club. Practical conveniences include two covered parking spaces and climate-controlled storage. Just steps away, the Riviera Dunes Marina and Dockside Waterfront Grill offer boating opportunities, waterfront dining, and live entertainment. Ideally situated across from the Marriott and The Yard, a popular gathering place featuring concerts, comedy performances, festivals, and community events, this residence places you at the center of one of the area’s most vibrant waterfront destinations. Downtown Bradenton, St. Pete, Sarasota and Tampa and the Gulf Coast’s renowned beaches are all within easy reach. With the building fully compliant with Florida’s Structural Integrity Reserve Study (SIRS) requirements, you can enjoy peace of mind along with an unmatched waterfront lifestyle where every day feels like a getaway.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,930
Sqft
1.38 ac
Lot size
2
Garage
2007
Year built
One
Levels
$273
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 — not generic estimates.
$5,543 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,543/mo
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.
vs edgeAI estimate
−30.8%
$/sqft vs Palmetto actives
$273 vs $205
Days on market
58 vs 56 typical
Where $273/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)
230 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 102% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 140 RIVIERA DUNES WAY UNIT 1204
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$1,200,000
140 RIVIERA DUNES WAY UNIT 1001 · same community
3 bd · 3.5 ba · 2,930 sqft · $410/sqft · 94 DOM
Sold · Oct ’25$765,000
140 RIVIERA DUNES WAY UNIT 202 · same community
2 bd · 2.5 ba · 2,167 sqft · $353/sqft · 32 DOM
Sold · Jun ’26$499,000
140 RIVIERA DUNES WAY UNIT 605 · same community
2 bd · 2.5 ba · 2,051 sqft · $243/sqft · 124 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 140 RIVIERA DUNES WAY UNIT 1204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 140 RIVIERA DUNES WAY UNIT 1204 — 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
140 RIVIERA DUNES WAY UNIT 1204 FAQs
What would the monthly payment be for 140 RIVIERA DUNES WAY UNIT 1204?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,543/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 140 RIVIERA DUNES WAY UNIT 1204?+
The most recent tax bill on record (2025) was $9,260. 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 140 RIVIERA DUNES WAY UNIT 1204?+
The listing reports pets: 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 $799,000, this home is listed about 102% above 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
01Positioned at the premium end
$799,000 runs 102% above the Palmetto median — but at 2,930 sqft it's also 51% larger than the typical Palmetto listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $899,000, now $799,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BOYD REALTY · Jayne Kocher. MLS #A4696458.
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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