David Ramirez
$1,950,000$2,200,0004 bd4 ba4,462 sqft$437 /sqft$13,791 /mo all-in ↓

102 12TH AVENUE E, PALMETTO, FL, 34221

Active109 days on marketListed Apr 6, 2026MLS #N6143586

Reduced $250KWaterfrontPrivate poolFully furnishedSingle Family ResidencePENINSULA AT RIVIERA DUNES

About this home

102 12TH AVENUE E

Welcome to an exceptional waterfront estate, gracefully positioned at the end of a palm-lined cul-de-sac on a private peninsula within the exclusive gated community of Riviera Dunes. Set along the peaceful Manatee River, this residence captures breathtaking sunset views and offers a refined coastal lifestyle with convenient access to the Gulf of Mexico via the community’s deep-water marina. This furnished custom home spans over 4,400 square feet of elegant living space and more than 5,700 total square feet designed for both luxurious everyday living and grand-scale entertaining. From the moment you arrive, the paver driveway, striking curb appeal, and three-car tandem garage with designer checkerboard flooring set the tone. Inside, expansive tray ceilings with ambient lighting, custom ironwork, and timeless finishes create an elevated yet inviting atmosphere. A grand formal dining room is perfect for hosting, while the massive great room, anchored by a gas fireplace and custom built-ins, offers both comfort and style. The gourmet kitchen is thoughtfully appointed with granite countertops, natural wood custom cabinetry, a walk-in pantry, built-in desk, wet bar, and premium appliances including Thermador and Sub-Zero. The main-level owner’s suite is a private sanctuary, featuring serene water views from every window, a custom walk-in closet, and a spa-inspired bath with glass shower, dual vanities, abundant storage, private commode with bidet, and an in-suite wet bar. Upstairs, a spacious family and recreation area with kitchenette opens to an expansive balcony overlooking the water, ideal for relaxing or entertaining. Step outside to your private waterfront retreat, where a covered patio and seating area lead to a stunning beach-entry, heated, saltwater, infinity pool, perfectly positioned to take in spectacular sunset views over the river. Built for both beauty and peace of mind, the home features hurricane impact glass, a concrete seawall, and has experienced no flooding during recent storm events, an exceptional benefit for waterfront living. Additional highlights include a wine cellar, tile flooring throughout, stucco exterior, and a classic barrel tile roof. While this property does not include a private dock, Riviera Dunes offers one of Southwest Florida’s safest deep-water harbors, with boat slips often available for purchase separately, providing convenient boating access to the Gulf in approximately 10 minutes. This home is ideally located just minutes to I-75, approximately 45 minutes to Tampa International Airport, 30 minutes to Sarasota-Bradenton International Airport, and close to premier shopping and dining at Ellenton Premium Outlets and University Town Center. This is more than a home, it’s a rare opportunity to experience waterfront living with unmatched sunsets, elegance, and privacy.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,462

Sqft

0.28 ac

Lot size

3

Garage

2003

Year built

Two

Levels

$437

Per sqft

Private poolWaterfrontFireplaceWater viewFurnished

Inside

FlooringCarpet · Ceramic Tile
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Dryer · Electric Water Heater · Ice Maker · Microwave · Range Hood · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump
FurnishedFurnished

Outside & construction

RoofTile
ConstructionStucco
FoundationSlab
ViewWater
FacesNorthwest
ParkingDriveway · Garage Door Opener · Tandem
ExteriorAwning(s) · Balcony · Irrigation System · Lighting · Private Entrance · Private Mailbox · Private Yard · Sliding Doors

Community & fees

HOA fee$133/mo
Taxes (2025)$26,935/yr
PetsCats OK, Dogs OK
CommunityMarina · River · Deed Restrictions · Fitness Center · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Public · 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.

$13,791 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,522
PMI (est., until 20% equity)$731
Property tax — 2025 actual bill$2,245
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $195,000Loan30-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% · $195,000
Interest rate6.00%
Loan term

Estimated payment

$13,791/mo

Principal & interest$10,522
PMI (est., until 20% equity)$731
Property taxes (actual bill)$2,245
HOA / condo fee$133
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 $1.9M
$1.9MedgeAI estimate $2,304,988 · range $2.1M$2.8M$2.9M

vs edgeAI estimate

−15.4%

Days on market

109 vs 55 typical

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 Riviera Dunes

Map of 102 12TH AVENUE E inside its neighborhood boundary

Drive times from this address

Downtown Tampa49 min
Tampa Int’l Airport (TPA)52 min

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

Get to know Palmetto. See the full Palmetto guide →

Riviera Dunes — neighborhood snapshot

Population

203

Median age

66

Median income

$144,904

Median home value

$494,900

Avg household

2

Households w/ children

2%

For the school run

Manatee County School District

MiddleLincoln Memorial 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)

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

This home is listed 434% above the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,950,000 $250K
Apr 6, 2026Listed at $2,200,000 · 109 days on market since
2003Built · PENINSULA AT RIVIERA DUNES

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 102 12TH AVENUE E — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 102 12TH AVENUE E — 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

102 12TH AVENUE E FAQs

What would the monthly payment be for 102 12TH AVENUE E?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,791/mo — principal and interest, the actual property-tax bill, the $133/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 102 12TH AVENUE E?+

The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 102 12TH AVENUE E?+

The most recent tax bill on record (2025) was $26,935. 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 102 12TH AVENUE E?+

The listing reports pets: Cats OK, Dogs OK. 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 $1,950,000, this home is listed about 389% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 102 12TH AVENUE E?+

Lincoln Memorial 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.

The brief

Three things that matter here

01Positioned at the premium end

$1,950,000 runs 434% above the PALMETTO 34221 median — but at 4,462 sqft it's also nearly twice the size of 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 $2,200,000, now $1,950,000 — a $250K cut. The full history is in the market section below.

Listing courtesy of WHITE SANDS REALTY GROUP FL · Tracy Jones. MLS #N6143586.

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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