130 RIVIERA DUNES WAY UNIT 802, PALMETTO, FL, 34221
Active123 days on marketListed Apr 8, 2026MLS #TB8495069
About this home
130 RIVIERA DUNES WAY UNIT 802
Welcome to one of Bel Mare’s most beautifully updated residences; this exceptional end-unit Rapallo floor plan offers over 3,350 total square feet and captures SWEEPING WATER VIEWS in multiple directions. Enjoy sunrises over the Manatee River and Riviera Dunes Marina from the east-facing balconies, along with stunning sunset views to the west; a rare and highly desirable combination. Arrive via your PRIVATE ELEVATOR entrance into a refined, open-concept living space featuring polished travertine flooring, professionally painted tray ceilings, and upgraded lighting throughout. The living area showcases CUSTOM built-ins and a FIREPLACE feature wall, while a beautifully designed bar with two beverage/wine refrigerators creates the perfect setting for entertaining. The kitchen offers Merillat wood cabinetry, stone countertops, a porcelain backsplash, pull-out shelving, and a 6-burner gas cooktop; a rare feature within the community. The split floor plan provides privacy, with a spacious primary suite offering balcony access, dual walk-in closets, and a fully reimagined SPA-LIKE bath with stunning BRAZILIAN QUARTZ countertops with under counter lighting, LED mirrors, and a custom frameless shower with body sprayers. Two additional guest suites feature COMPLETELY REMODELED en-suite bathrooms and walk-in closets, while the den; with closet and balcony access, functions as a fourth bedroom or office. Offered TURNKEY FURNISHED, with each piece professionally curated, this residence is truly move-in ready. The property also includes THREE under-building PARKING SPACES, two of which are side-by-side; a rare and valuable feature. Bel Mare residents enjoy resort-style amenities, including pools, fitness center, pickleball, theater, social spaces, and guest suites for visiting family and friends, along with access to the Riviera Dunes Beach Club, offering an additional waterfront lifestyle experience included with ownership. Conveniently located near downtown Bradenton, Anna Maria Island, Sarasota, St. Petersburg, Tampa, and Lakewood Ranch, this location offers both accessibility and coastal living. A rare opportunity to own a luxury waterfront residence with expansive views, private elevator access, and EXCEPTIONAL UPGRADES throughout.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,930
Sqft
16.28 ac
Lot size
3
Garage
2007
Year built
One
Levels
$486
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.
$11,445 /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
$11,445/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
+27.3%
$/sqft vs Palmetto actives
$486 vs $205
Days on market
123 vs 57 typical
Where $486/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)
232 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 261% 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 802
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 802 — 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 802 — 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 802 FAQs
What would the monthly payment be for 130 RIVIERA DUNES WAY UNIT 802?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,445/mo — principal and interest, the actual property-tax bill, the $1,717/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 802?+
The association fee works out to $1,717 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 802?+
The most recent tax bill on record (2025) was $16,129. 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 802?+
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 $1,425,000, this home is listed about 261% above the Palmetto median of $394,999. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$1,425,000 runs 261% 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.
03Know the monthly fee
The association fee is $1,717/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
123 days on market against a Palmetto median of 57 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Angel Wilkinson. MLS #TB8495069.
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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