140 RIVIERA DUNES WAY UNIT 1203, PALMETTO, FL, 34221
Active184 days on marketListed May 7, 2026MLS #TB8504886
About this home
140 RIVIERA DUNES WAY UNIT 1203
BACK ON MARKET - BUYERS UNABLE TO COMPLETE PURCHASE! Previous transaction did not move forward due to circumstances unrelated to the property. A wonderful second opportunity to own this exceptional waterfront residence at Bel Mare! Welcome to LUXURY WATERVIEW LIVING on the 12th floor in the desirable RAPALLO FLOORPLAN at BEL MARE, where an impressive 3,350 TOTAL SQUARE FEET of thoughtfully designed space is paired with SWEEPING WATER VIEWS. From this elevated residence, take in panoramic scenes of the MANATEE RIVER, ANNA MARIA ISLAND, the iconic SUNSHINE SKYWAY BRIDGE, and out toward the GULF, all setting the stage for unforgettable SUNSET VIEWS. This spacious home offers a SPLIT FLOOR PLAN with three bedrooms, each featuring ENSUITE BATHS, along with a DEN/OFFICE and POWDER ROOM, creating flexibility for guests or remote work. Expansive FLOOR-TO-CEILING IMPACT WINDOWS fill the interior with natural light and showcase HIGH CEILINGS and open-concept living and dining areas that flow seamlessly onto a PRIVATE BALCONY—perfect for enjoying the coastal breeze. The kitchen is both inviting and functional, complemented by UPDATED LIGHTING that adds a fresh, modern touch throughout the home, and the recent installation of TWO BRAND NEW AC UNITS WITH A 2-YEAR TRANSFERABLE MAINTENANCE AGREEMENT provides added comfort and peace of mind. The PRIMARY SUITE offers a peaceful escape with water views, DUAL WALK-IN CLOSETS, and a SPA-LIKE BATH featuring a soaking tub and walk-in shower. Residents of this GATED WATERFRONT COMMUNITY enjoy access to RESORT-STYLE AMENITIES including multiple pools, a fitness center, pickleball courts, a theater, social gathering spaces, guest suites, and scenic walking paths, along with access to the RIVIERA DUNES BEACH CLUB. COVERED PARKING and CLIMATE-CONTROLLED STORAGE provide added convenience, while the adjacent MARINA and WATERFRONT DINING at the Dockside restaurant with live entertainment enhance the lifestyle. Ideally located ACROSS FROM THE MARRIOTT AND ITS POPULAR AMPHITHEATER “THE YARD”, featuring live music, comedy acts, and vibrant markets, this residence places you in the heart of an active and growing waterfront destination. Just minutes to DOWNTOWN BRADENTON, SARASOTA, TAMPA, and the GULF BEACHES, the location offers both energy and ease. Added confidence comes with the building’s full compliance with Florida’s STRUCTURAL INTEGRITY RESERVE STUDY (SIRS) requirements—where every day feels like a vacation and every evening ends with a view worth coming home to. **Furniture available for purchase.**
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,930
Sqft
1.38 ac
Lot size
1
Garage
2007
Year built
One
Levels
$392
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.
$10,206 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$10,206/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+23.6%
$/sqft vs Palmetto actives
$392 vs $200
Days on market
184 vs 73 typical
Where $392/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 →
PALMETTO 34221 — neighborhood snapshot
Population
56,208
Median age
45.5
Median income
$77,712
Median home value
$338,600
Avg household
2.6
Households w/ children
4,828
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
$375K → $390K
Palmetto median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
257 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 215% above the PALMETTO 34221 median. See the full Palmetto market guide →
Paper trail
This home's history
Reality check
What actually sold near 140 RIVIERA DUNES WAY UNIT 1203
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,200,000
140 RIVIERA DUNES WAY UNIT 1001 · same community
3 bd · 3.5 ba · 2,930 sqft · $410/sqft · 94 DOM
Sold · Sep ’26$849,900
140 RIVIERA DUNES WAY UNIT 1204 · same community
4 bd · 3.5 ba · 2,930 sqft · $290/sqft · 63 DOM
Sold · Jun ’26$499,000
140 RIVIERA DUNES WAY UNIT 605 · same community
2 bd · 2.5 ba · 2,051 sqft · $243/sqft · 124 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 140 RIVIERA DUNES WAY UNIT 1203 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 140 RIVIERA DUNES WAY UNIT 1203 — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
140 RIVIERA DUNES WAY UNIT 1203 FAQs
What would the monthly payment be for 140 RIVIERA DUNES WAY UNIT 1203?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $10,206/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 140 RIVIERA DUNES WAY UNIT 1203?+
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 140 RIVIERA DUNES WAY UNIT 1203?+
The most recent tax bill on record (2025) was $8,013. 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 140 RIVIERA DUNES WAY UNIT 1203?+
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 $1,149,000, this home is listed about 189% above the Palmetto median of $397,950. The market section on this page shows how the area is trending.
Which schools are assigned to 140 RIVIERA DUNES WAY UNIT 1203?+
Virgil Mills Elementary School (elementary), Buffalo Creek Middle School (middle), Palmetto High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,149,000 runs 215% above the PALMETTO 34221 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
184 days on market against a Palmetto median of 73 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $1,159,000, now $1,149,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Angel Wilkinson. MLS #TB8504886.
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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