10103 SAINT FRANCIS TERRACE, PALMETTO, FL, 34221
Active43 days on marketListed Jun 25, 2026MLS #A4697892
About this home
10103 SAINT FRANCIS TERRACE
Set on an oversized cul-de-sac lot in the gated resort-style community of Esplanade at Artisan Lakes, this 3-bedroom, 2-bath home with a dedicated den features a NEW A/C with UV (2024), spacious layout, large screened lanai, and a backyard setting with room to enjoy Florida living. The entry opens into the main living area, where a tray ceiling, recessed lighting, and large sliding doors create a bright, open space that connects directly to the lanai. The kitchen features granite countertops, stainless steel appliances, dark wood cabinetry, a pantry, and a large breakfast bar with seating. Just beyond, the dining room offers a defined space for meals, gatherings, and entertaining. A dedicated den provides flexible space for a home office, reading room, hobby area, or additional lounge space. The primary bedroom is positioned privately with plantation shutters, a walk-in closet, and an en suite bathroom featuring dual vanities, a soaking tub, walk-in shower, and private water closet. Two secondary bedrooms and a full bathroom are located on the opposite side of the home, creating comfortable separation for guests or household members. The screened lanai extends the living space outdoors with a covered sitting area and peaceful views of the surrounding greenery. The oversized homesite offers more than a quarter acre with room to relax, garden, entertain, or explore future outdoor possibilities. Additional features include a laundry room, two-car garage, and NEW garage door spring system replaced in 2023. Esplanade at Artisan Lakes offers an impressive amenity-rich lifestyle with a resort-style pool, spa, fitness center, clubhouse, café, billiards and game room, tennis, pickleball, bocce, walking trails, event lawn, dog park, and a full calendar of activities. Association dues include cable, internet, and grounds maintenance, adding convenience to the resort-style setting. Located near I-75, residents enjoy convenient access to Sarasota, St. Petersburg, vibrant dining, shopping, entertainment, and the renowned Gulf Coast beaches.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,920
Sqft
0.29 ac
Lot size
2
Garage
2014
Year built
One
Levels
$208
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.
$3,497 /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
$3,497/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
−2.6%
$/sqft vs Palmetto actives
$208 vs $209
Days on market
43 vs 56 typical
Where $208/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 Artisan Lakes Esplanade
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $350K
Palmetto median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
221 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 8% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 10103 SAINT FRANCIS TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$435,000
10124 SAINT FRANCIS TERRACE · same community
3 bd · 2 ba · 1,920 sqft · $227/sqft · 88 DOM
Sold · Oct ’25$520,000
10030 CRAFTSMAN PARK WAY · same community
2 bd · 2 ba · 1,925 sqft · $270/sqft · 178 DOM
Sold · Oct ’25$350,000
10213 SAINT FRANCIS TERRACE · same community
3 bd · 2 ba · 1,931 sqft · $181/sqft · 190 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 10103 SAINT FRANCIS TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10103 SAINT FRANCIS 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.
Straight answers
10103 SAINT FRANCIS TERRACE FAQs
What would the monthly payment be for 10103 SAINT FRANCIS TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,497/mo — principal and interest, the actual property-tax bill, the $520/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 10103 SAINT FRANCIS TERRACE?+
The association fee works out to $520 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10103 SAINT FRANCIS TERRACE?+
The most recent tax bill on record (2025) was $3,420. 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 10103 SAINT FRANCIS TERRACE?+
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 $400,000, this home is listed about 1% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10103 SAINT FRANCIS TERRACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of TNG REAL ESTATE · Scott Nold. MLS #A4697892.
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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