304 9TH AVENUE E, PALMETTO, FL, 34221
Active314 days on marketListed Sep 12, 2025MLS #TB8427310
About this home
304 9TH AVENUE E
Nestled within the exclusive, gated Riviera Dunes community on the Northern Shore of the Manatee River, this contemporary masterpiece presents an unparalleled waterfront lifestyle. The residence has been meticulously reimagined through a comprehensive professional remodel where no expense was spared, resulting in a home of exceptional sophistication and light. Upon entry, the grandeur of 20-foot ceilings and thoughtfully opened sight lines immediately captivates, creating a luminous and expansive atmosphere. The heart of the home is a stunning chef’s kitchen, appointed with sleek quartz countertops, custom cabinetry, and a suite of top-tier appliances including a built-in refrigerator and double wall oven, making it ideal for both grand-scale entertaining and intimate family gatherings. The private owner’s suite is a serene retreat, featuring a beautifully updated, spa-inspired bath adorned with custom stonework and an generously sized walk-in closet with custom organizational systems. Every detail has been considered, including the elegantly updated guest bathrooms which boast new vanities and exquisite custom stonework. Recognizing the needs of modern life, the home offers versatile flex spaces; a downstairs bedroom currently serves as a home office, while the upstairs loft is an exercise room, providing endless possibilities for customization. Step outside to your private oasis with a pool and spa, the perfect venue to unwind with a glass of wine after a day spent on the water from your private 40-foot slip, complete with a 16,000 lb. boat lift. The Riviera Dunes community enhances this exceptional lifestyle with a full-service marina and a waterfront restaurant. Perfectly positioned for convenience, this home offers easy access to the vibrant downtown areas of Bradenton and Sarasota, as well as the cultural attractions of St. Petersburg and Tampa. This is not merely a home; it is the definitive expression of modern, waterfront luxury.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,784
Sqft
0.14 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$355
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.
$7,284 /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
$7,284/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
−4.7%
$/sqft vs Palmetto actives
$355 vs $206
Days on market
314 vs 55 typical
Where $355/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 Riviera Dunes
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palmetto market
$359K → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
207 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 171% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 304 9TH AVENUE E
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$490,000
303 9TH AVENUE E · same community
3 bd · 3 ba · 2,006 sqft · $244/sqft · 226 DOM
Sold · Apr ’26$750,000
1709 8TH STREET E
4 bd · 4.5 ba · 2,804 sqft · $267/sqft · 50 DOM
Sold · Apr ’26$600,000
1309 3RD STREET CIRCLE E
4 bd · 4 ba · 2,848 sqft · $211/sqft · 132 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 304 9TH AVENUE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 304 9TH 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.
Straight answers
304 9TH AVENUE E FAQs
What would the monthly payment be for 304 9TH AVENUE E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,284/mo — principal and interest, the actual property-tax bill, the $317/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 304 9TH AVENUE E?+
The association fee works out to $317 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 304 9TH AVENUE E?+
The most recent tax bill on record (2024) was $13,199. 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 304 9TH 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 $989,000, this home is listed about 148% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 304 9TH 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
Four things that matter here
01Positioned at the premium end
$989,000 runs 171% above the PALMETTO 34221 median — but at 2,784 sqft it's also 46% larger than the typical Palmetto listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
314 days on market against a Palmetto median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,099,000, now $989,000 — a $110K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Peter Arner. MLS #TB8427310.
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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