
130 RIVIERA DUNES WAY UNIT PH202, PALMETTO, FL, 34221
Active263 days on marketListed Nov 21, 2025MLS #TB8443927
About this home
130 RIVIERA DUNES WAY UNIT PH202
PENTHOUSE WITH PANORAMIC WATER VIEWS, SUNSETS & PRIVATE ELEVATOR IN BEL MARE! Experience expansive water views and unforgettable sunsets from this 15TH FLOOR PRIVATE ELEVATOR RESIDENCE in Bel Mare at Riviera Dunes. Positioned high above the Manatee River, the views stretch west toward ANNA MARIA ISLAND AND THE GULF, creating a truly elevated coastal setting. This rarely available PENTHOUSE OPPORTUNITY offers a thoughtfully designed SPLIT FLOORPLAN WITH 3 BEDROOMS PLUS OFFICE/DEN, soaring ceilings, and walls of glass that frame the surrounding water and skyline. THREE PRIVATE BALCONIES provide multiple vantage points, blending indoor and outdoor living. The great room features CUSTOM BUILT-IN CABINETRY and a modern GAS FIREPLACE with STUNNING VEINED BLACK GRANITE SURROUND, creating a refined focal point for both everyday living and entertaining. The GOURMET KITCHEN has been redesigned with a single-level quartz island, SUB-ZERO REFRIGERATION, six-burner gas cooktop, new convection double wall ovens, BOSCH PANELED DISHWASHER, industrial-grade hood, and quartz undermount sink. The open layout allows for seamless entertaining while maintaining uninterrupted views. The PRIMARY SUITE is positioned to capture the waterfront, offering a private retreat with a wet bar, beverage refrigeration, TWO WALK-IN CLOSETS, and a spa-style bath with soaking tub and walk-in shower. An adjacent flex space opens to a private balcony. Two additional guest suites provide comfort and privacy with ideal separation. A standout feature is the PRIVATE TWO-CAR GARAGE, along with an additional UNDER-BUILDING PARKING SPACE—an uncommon and highly desirable combination in this community. Additional enhancements include Hunter Douglas energy-efficient shades, UV/heat-control window film, extensive crown molding, South American hardwood flooring, travertine flooring, THREE TRANE VARIABLE-SPEED HVAC SYSTEMS (2021), Halo air purification system, Rheem water heater (2023), and whole-house Pelican water filtration with reverse osmosis. Residents of BEL MARE enjoy a RESORT-STYLE LIFESTYLE with multiple pools, fitness center, theater, billiards, social rooms, guest suites, and access to tennis and pickleball courts. Located adjacent to the RIVIERA DUNES MARINA, residents enjoy deep-water boating access to the Gulf. Ownership also includes access to the private BEACH CLUB, featuring a lap pool, resort-style pool, putting green, pickleball, bocce, volleyball, and social gathering spaces, along with a fitness center, classes, and on-site café. Located in PALMETTO, this property offers strong value compared to similar waterfront residences in Sarasota, St. Petersburg, and Tampa, while remaining close to beaches, dining, arts, golf, and SRQ, TPA, AND PIE AIRPORTS. This is a rare opportunity to own a WELL-APPOINTED PENTHOUSE WITH EXPANSIVE WATER VIEWS, FUNCTIONAL LAYOUT, AND RESORT-LEVEL AMENITIES along Florida’s Gulf Coast.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,871
Sqft
16.28 ac
Lot size
2
Garage
2007
Year built
One
Levels
$490
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.
$13,669 /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
$13,669/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.
$/sqft vs Palmetto actives
$490 vs $205
Days on market
263 vs 58 typical
Where $490/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)
229 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 380% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 130 RIVIERA DUNES WAY UNIT PH202
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,195,000
130 RIVIERA DUNES WAY UNIT 801 · same community
4 bd · 3.5 ba · 2,930 sqft · $408/sqft · 0 DOM
Sold · Aug ’25$1,080,000
130 RIVIERA DUNES WAY UNIT 1201 · same community
3 bd · 3.5 ba · 2,930 sqft · $369/sqft · 165 DOM
Sold · Oct ’25$975,000
130 RIVIERA DUNES WAY UNIT 1104 · same community
3 bd · 3.5 ba · 2,930 sqft · $333/sqft · 15 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 130 RIVIERA DUNES WAY UNIT PH202 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 130 RIVIERA DUNES WAY UNIT PH202 — 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
130 RIVIERA DUNES WAY UNIT PH202 FAQs
What would the monthly payment be for 130 RIVIERA DUNES WAY UNIT PH202?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,669/mo — principal and interest, the actual property-tax bill, the $1,648/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 130 RIVIERA DUNES WAY UNIT PH202?+
The association fee works out to $1,648 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 130 RIVIERA DUNES WAY UNIT PH202?+
The most recent tax bill on record (2024) was $11,103. 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 130 RIVIERA DUNES WAY UNIT PH202?+
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 $1,895,000, this home is listed about 380% above the Palmetto median of $395,000. The market section on this page shows how the area is trending.
The brief
Five things that matter here
01Positioned at the premium end
$1,895,000 runs 380% above the Palmetto median — but at 3,871 sqft it's also nearly twice the size of 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.
03Know the monthly fee
The association fee is $1,648/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
263 days on market against a Palmetto median of 58 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $1,975,000, now $1,895,000 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Angel Wilkinson. MLS #TB8443927.
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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