CENTURY 21 Edge
$560,0002 bd2 ba1,696 sqft$330 /sqft≈$4,286 /mo all-in ↓

610 RIVIERA DUNES WAY UNIT 503, PALMETTO, FL, 34221

Active2 days on marketListed Oct 8, 2026MLS #A4708908

WaterfrontCondominiumLAGUNA AT RIVIERA DUNES I

About this home

610 RIVIERA DUNES WAY UNIT 503

Don't miss out on a deal! This home is listed way below apprasal value! The hard part is already done; now you get to enjoy the view! While many condos require updating before they truly feel like home, this rare 5th-floor residence has already undergone an extensive high-end renovation, creating a fresh, move-in-ready retreat where you can spend less time managing projects and more time enjoying waterfront living. Wake up to expansive water views as natural light flows through the residence, creating a bright, open and uplifting atmosphere throughout the day. Set within an exclusive 7-story building with a 2-story penthouse above, this home offers unobstructed water views with no parking lot exposure and no trees blocking the scenery bringing together privacy, natural beauty and a strong indoor-outdoor connection. This fully renovated 2-bedroom, 2-bath home also includes a versatile flex room ideal for a home office, den, wellness space, reading room or guest area. The professionally completed renovation included replacement of walls, ceilings, plumbing, electrical, lighting, kitchen and bathrooms, along with removal of a wall to create a more open, connected and functional layout. Floor-to-ceiling, three-panel hurricane-impact sliders allow natural light to pour into the living spaces while framing the water views and connecting the interior to the surrounding Florida landscape. Inside, elevated finishes include imported Italian countertops, Cambria quartz, porcelain flooring, LED lighting, Kohler sink, Grohe and Kohler fixtures, concealed Fisher & Paykel and Monogram appliances, custom coffee bar and a custom wine bar with refrigerator. Additional features include a full-size stackable washer and dryer, custom bar stools and a 2023 HVAC system. Older appliances, bathrooms and interior materials were removed as part of the comprehensive renovation, creating a fresh, updated and truly move-in-ready interior. The building also features a 2025 roof. The home is designed to support everyday comfort and ease, from the open layout and flexible living spaces to the abundance of natural light and low-maintenance finishes. With major interior updates already completed, your time can be spent enjoying the lifestyle rather than planning your next renovation. Outside your door, the community encourages movement, connection and access to nature with green spaces, walking and biking paths, a community pool, clubhouse and fitness center. Whether your wellness goals include staying active, spending more time outdoors, connecting with neighbors or simply having peaceful places to recharge, the setting offers multiple ways to make wellness part of your daily routine. Gated entry with a live guard provides controlled access, while the location within one of Florida’s protected boating harbors adds another layer of appeal for those seeking privacy, recreation and a true waterfront lifestyle. Start your morning with coffee overlooking the water, take a walk or bike ride through the community, enjoy time at the fitness center or pool, or unwind at home surrounded by natural light and expansive views. The combination of flexible space, outdoor access, movement, nature and low-maintenance living makes it easier to create a home that supports the way you want to live. Rarely available and extensively renovated this residence brings together waterfront views, natural light, privacy, and everyday wellness in one exceptional setting. Schedule your showing today!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,696

Sqft

1.51 ac

Lot size

2004

Year built

One

Levels

$330

Per sqft

WaterfrontNegotiablePets allowed

Inside

FlooringPorcelain Tile
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Dry Bar · Living Room/Dining Room Combo · Open Floorplan · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionConcrete · Stucco
FoundationSlab
FacesEast
ExteriorSidewalk · Sliding Doors · Tennis Court(s)

Community & fees

HOA fee$210/mo
Taxes (2025)$4,454/yr
PetsYes
CommunityFishing · Marina · River · Waterfront · Clubhouse · Fitness Center · Gated Community - Guard · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public
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.

$4,286 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,297
FHA mortgage insurance (est.)$248
Property tax — 2025 actual bill$371
Condo fee — from the listing$210
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,600Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $19,600
Interest rate6.00%
Loan term

Estimated payment

$4,286/mo

Principal & interest$3,297
FHA mortgage insurance (est.)$248
Property taxes (actual bill)$371
HOA / condo fee$210
Est. insurance$160

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.

List $560K
$448KedgeAI estimate $513,299 · range $467K–$565K$587K

vs edgeAI estimate

+9.1%

$/sqft vs Palmetto actives

$330 vs $203

Days on market

2 vs 79 typical

Where $330/sqft sits among the 400 Palmetto actives

116
145
66
31
13 · this home
29
$136–180$180–224$224–268$268–313$313–357$357+

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

Downtown Tampa≈ 48 min
Tampa Int’l Airport (TPA)≈ 51 min

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

Get to know Palmetto. See the full Palmetto guide →

PALMETTO 34221 — neighborhood snapshot

Population

54,923

Median age

46.6

Median income

$74,314

Median home value

$298,200

Avg household

2.63

Households w/ children

4,466

For the school run

Manatee County School District

MiddleLincoln Memorial Middle School★★★★★
HighPalmetto High School★★★★★
ElementaryJames Tillman Elementary Magnet School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palmetto market

Seller’s marketLeans seller — 4.5 months of inventoryBuyer’s market

$359K → $372K

Palmetto median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

239 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 49% above the PALMETTO 34221 median. See the full Palmetto market guide →

Paper trail

This home's history

Oct 8, 2026Listed at $560,000 · 2 days on market since
2004Built · LAGUNA AT RIVIERA DUNES I

Reality check

What actually sold near 610 RIVIERA DUNES WAY UNIT 503

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

610 RIVIERA DUNES WAY UNIT 306Sold · Oct ’25

$480,000

610 RIVIERA DUNES WAY UNIT 306 · same community

2 bd · 2 ba · 1,758 sqft · $273/sqft · 102 DOM

610 RIVIERA DUNES WAY UNIT 308Sold · Oct ’25

$551,000

610 RIVIERA DUNES WAY UNIT 308 · same community

3 bd · 2 ba · 2,115 sqft · $261/sqft · 119 DOM

610 RIVIERA DUNES WAY UNIT 404Sold · Sep ’26

$320,000

610 RIVIERA DUNES WAY UNIT 404

2 bd · 2 ba · 1,696 sqft · $189/sqft · 74 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.

Anealya Hammad

Your agent

Anealya Hammad

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 610 RIVIERA DUNES WAY UNIT 503 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 610 RIVIERA DUNES WAY UNIT 503 — before you fall in love.

See it in person

Schedule a tour

Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

610 RIVIERA DUNES WAY UNIT 503 FAQs

What would the monthly payment be for 610 RIVIERA DUNES WAY UNIT 503?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,286/mo — principal and interest, the actual property-tax bill, the $210/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 610 RIVIERA DUNES WAY UNIT 503?+

The association fee works out to $210 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 610 RIVIERA DUNES WAY UNIT 503?+

The most recent tax bill on record (2025) was $4,454. 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 610 RIVIERA DUNES WAY UNIT 503?+

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 $560,000, this home is listed about 41% above the Palmetto median of $396,999. The market section on this page shows how the area is trending.

Which schools are assigned to 610 RIVIERA DUNES WAY UNIT 503?+

Lincoln Memorial Middle School (middle), Palmetto High School (high), James Tillman Elementary Magnet School (elementary) — 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

$560,000 runs 49% above the PALMETTO 34221 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 2 days on market in a Palmetto market that averages 79 — if it fits, move quickly.

Listing courtesy of DREAMIFY REAL ESTATE LLC · Jessica Peterson. MLS #A4708908.

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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