1226 3RD STREET CIRCLE E, PALMETTO, FL, 34221
Active13 days on marketListed Jul 11, 2026MLS #TB8528408
About this home
1226 3RD STREET CIRCLE E
BOATER AND NATURE LOVER’S DREAM IN THIS EXCEPTIONAL: 4 BEDROOM, 3 BATHROOM TOWNHOME! Located in the gorgeous gated community of the Hammocks at Riviera Dunes. Situated adjacent to a deep water protected harbor out to the Manatee river. This “move in ready” three level townhome (with over $40,000 in upgrades) features a beautiful open floor plan on the main level with ceramic tile & granite countertops. The townhome boasts a gorgeous panoramic view of the pool, a pond, featuring a beautiful fountain, and a nature preserve with live oaks. Off the main level is the spacious paver balcony with a natural gas grill for outdoor entertaining. The bedroom on this level may be used as a den/office or a formal dining room. Sleek bamboo floors and wrought iron railings escort you to the top floor large primary suite, featuring French doors, a huge walk-in closet, very large en suite bathroom with updated contemporary walk-in shower and a soaking tub. An added convenience is the full laundry room on this floor. Additionally, this floor has a large guest room with en suite bath, walk-in closet, and partial view of the Manatee river. This townhome features a spacious lower level flex space, which is semi-finished, with huge walk in storage closets, making this an ideal game room, man cave, or space for added guests. The Hammocks community amenities include: Boat slips for rent or purchase, Community center with workout area & kitchen, 2 pools, pickle ball/tennis court, and all outdoor maintenance included. Strategically located minutes from award winning Gulf beaches, preserves, I-75, Skyway bridge, Ellenton outlet mall, numerous restaurants, County convention center, Bradenton, Sarasota, St Petersberg and Sarasota/Tampa Airports. Come make this dream Townhome yours!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,848
Sqft
0.05 ac
Lot size
2
Garage
2005
Year built
Three Or More
Levels
$174
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.
$3,997 /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
$3,997/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
+2.3%
$/sqft vs Palmetto actives
$174 vs $206
Days on market
13 vs 55 typical
Where $174/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 → $361K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
210 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 24% above the Palmetto median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 1226 3RD STREET CIRCLE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$600,000
1309 3RD STREET CIRCLE E · same community
4 bd · 4 ba · 2,848 sqft · $211/sqft · 132 DOM
Sold · Jun ’26$420,000
1520 3RD STREET CIRCLE E · same community
4 bd · 4 ba · 2,848 sqft · $147/sqft · 181 DOM
Sold · Aug ’25$1,080,000
130 RIVIERA DUNES WAY UNIT 1201
3 bd · 3.5 ba · 2,930 sqft · $369/sqft · 165 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 1226 3RD STREET CIRCLE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1226 3RD STREET CIRCLE 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
1226 3RD STREET CIRCLE E FAQs
What would the monthly payment be for 1226 3RD STREET CIRCLE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,997/mo — principal and interest, the actual property-tax bill, the $313/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 1226 3RD STREET CIRCLE E?+
The association fee works out to $313 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1226 3RD STREET CIRCLE E?+
The most recent tax bill on record (2024) was $4,624. 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 1226 3RD STREET CIRCLE E?+
The listing reports pets: Number Limit, Size Limit. 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 $495,900, this home is listed about 24% above the Palmetto median of $399,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Hilary Brinks. MLS #TB8528408.
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.
Never miss a listing
New Palmetto homes, in your inbox
Like 1226 3RD STREET CIRCLE E but not quite? A daily digest of every new listing in Palmetto — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →